BlastPoint's Banking Scorecard
The Peoples Bank Co.
Community
Specialty: Other
OH
FDIC cert 13220
Coldwater, OH
1484
banks in Community tier nationally
45 in OH
View Community leaderboard (OH) →
The Peoples Bank Co. has 5 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 8% in Community
- + Profitability Leader: Top 42% in Community
- + Efficiency Ratio 23.15% below tier
- + Loan-to-Deposit Ratio 23.65% below tier
- + Tier 1 Capital Ratio 10.50% above tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 15% in Community
- - Credit Risk Growth: Bottom 21% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$831.0M
+3.1% YoY
-1.1% QoQ
|
-$560.5M |
$1.4B
+2.0% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
38% |
| Total Loans ? |
$433.1M
+5.5% YoY
+0.1% QoQ
|
-$542.3M |
$975.5M
+2.4% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
20% |
| Total Deposits ? |
$729.1M
+0.2% YoY
-2.0% QoQ
|
-$435.5M |
$1.2B
+1.7% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
41% |
| Return on Assets ? |
1.61%
+31.6% YoY
+5.7% QoQ
|
+0.45% |
1.16%
+17.2% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
79% |
| Net Interest Margin ? |
3.17%
+13.0% YoY
+1.5% QoQ
|
-0.50% |
3.66%
+9.1% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
23% |
| Efficiency Ratio ? |
39.48%
-10.2% YoY
+0.5% QoQ
|
-23.15% |
62.63%
-5.3% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Top 4% in tier |
| Delinquency Rate ? |
0.08%
+53.6% QoQ
|
-0.55% |
0.63%
+18.3% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
84% |
| Loan-to-Deposit Ratio ? |
59.41%
+5.3% YoY
+2.2% QoQ
|
-23.65% |
83.06%
+0.3% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
Top 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
19.21%
+5.5% YoY
+1.5% QoQ
|
-1.84% |
21.05%
-0.9% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
45% |
| Nonperforming Asset Ratio ? |
0.04%
+52.1% QoQ
|
-0.45% |
0.50%
+20.3% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
Top 13% in tier |
| Tier 1 Capital Ratio ? |
20.74%
+8.8% YoY
+2.2% QoQ
|
+10.50% |
10.24%
-0.6% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
Top 6% in tier |
| Non-Interest Income / Assets ? |
0.36%
+13.9% YoY
+46.9% QoQ
|
-0.37% |
0.74%
-1.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
32% |
Signature Analysis
Strengths (5)
Credit Quality Leader
growth
#29 of 371 · Top 8% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.08%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Profitability Leader
growth
#156 of 371 · Top 42% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.61%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
Efficiency Ratio
metric
Top 4%
in Community
Why this stands out
Current:
39.48%
(Tier avg: 62.63%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Top 8%
in Community
Why this stands out
Current:
59.41%
(Tier avg: 83.06%, National avg: 78.04%)
Tier 1 Capital Ratio
metric
Top 6%
in Community
Why this stands out
Current:
20.74%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (2)
Credit Quality Pressure
risk
#125 of 808 · Bottom 15% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.08%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank declining
Credit Risk Growth
risk
#138 of 642 · Bottom 21% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
96
96th pctile
Efficiency Ratio
Current: 39.48% · Tier avg: 62.63%
94
94th pctile
Tier 1 Capital Ratio
Current: 20.74% · Tier avg: 10.24%
92
92th pctile
Loan-to-Deposit Ratio
Current: 59.41% · Tier avg: 83.06%
87
87th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.50%
84
84th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.63%
79
79th pctile
Return on Assets
Current: 1.61% · Tier avg: 1.16%
45
45th pctile
Non-Interest-Bearing Deposit Share
Current: 19.21% · Tier avg: 21.05%
41
41th pctile
Total Deposits
Current: $729.1M · Tier avg: $1.2B
38
38th pctile
Total Assets
Current: $831.0M · Tier avg: $1.4B
32
32th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.74%
23
23th pctile
Net Interest Margin
Current: 3.17% · Tier avg: 3.66%
20
20th pctile
Total Loans
Current: $433.1M · Tier avg: $975.5M
Top Weaknesses
20
20th pctile
Total Loans
Current: $433.1M · Tier avg: $975.5M
23
23th pctile
Net Interest Margin
Current: 3.17% · Tier avg: 3.66%
32
32th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.74%
38
38th pctile
Total Assets
Current: $831.0M · Tier avg: $1.4B
41
41th pctile
Total Deposits
Current: $729.1M · Tier avg: $1.2B
45
45th pctile
Non-Interest-Bearing Deposit Share
Current: 19.21% · Tier avg: 21.05%
79
79th pctile
Return on Assets
Current: 1.61% · Tier avg: 1.16%
84
84th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.63%
87
87th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.50%
92
92th pctile
Loan-to-Deposit Ratio
Current: 59.41% · Tier avg: 83.06%
94
94th pctile
Tier 1 Capital Ratio
Current: 20.74% · Tier avg: 10.24%
96
96th pctile
Efficiency Ratio
Current: 39.48% · Tier avg: 62.63%