This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Minster, OH
Health score
86.6
Total assets
$811.6M
Bank
Coldwater, OH
Health score
86.3
Total assets
$859.2M
Answer first
Minster Bank leads on financial health and growth; The Peoples Bank Co. leads on capitalization and profitability and lending quality. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
Minster Bank
Higher TFS health score
Capitalization
The Peoples Bank Co.
Higher comparable capital ratio
Profitability
The Peoples Bank Co.
Higher return on assets
Lending quality
The Peoples Bank Co.
Lower problem-loan measure
Growth
Minster Bank
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | Minster Bank | The Peoples Bank Co. |
|---|---|---|
| TFS health score | 86.6/100Leads | 86.3/100 |
| Total assets | $811.6M | $859.2M |
| Total deposits / shares | $719.4M | $738.8M |
| Tier 1 capital ratio | 10.08% | 11.89%Leads |
| Return on assets | 1.62% | 1.66%Leads |
| Return on equity | 19.04%Leads |
Minster Bank
7 branches
The Peoples Bank Co.
7 branches
Both institutions report branches in 1 state: OH.
Minster Bank
Unavailable
The Peoples Bank Co.
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
Minster Bank
0 in TFS registry
The Peoples Bank Co.
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | Minster Bank score | Minster Bank ROA | The Peoples Bank Co. score | The Peoples Bank Co. ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 1.24% | — | 1.15% |
| 2024-Q4 | — | 1.31% | — | 1.23% |
| 2025-Q1 | — | 1.43% | — | 1.69% |
| 2025-Q2 | — | 1.48% | — | 1.64% |
| 2025-Q3 | — | 1.52% | — | 1.53% |
| 2025-Q4 | — | 1.54% | — | 1.61% |
| 2026-Q1 | 84.9/100 | 1.55% |
Keep watching
Get access to your dashboard watchlist and future financial-grade alerts.
Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| 17.25% |
| Non-performing loans | 0.14% | 0.13%Leads |
| Net charge-offs | 0.01%Leads | 0.01% |
| Efficiency ratio | 50.20% | 38.43%Leads |
| Loan-to-deposit ratio | 63.52% | 61.49% |
| Asset growth (YoY) | 4.93%Leads | 2.32% |
| Deposit / share growth (YoY) | 5.26%Leads | -1.36% |
| Branches | 7 | 7 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 84.1/100 |
| 1.68% |
| 2026-Q2 | 86.6/100 | 1.62% | 86.3/100 | 1.66% |