BlastPoint's Banking Scorecard
The Peoples Bank
Micro
Specialty: Other
OH
FDIC cert 389
Designations: ✓ Community bank
Gambier, OH
2498
banks in Micro tier nationally
102 in OH
View Micro leaderboard (OH) →
The Peoples Bank demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 15.26% above tier
- + Tier 1 Capital Ratio 15.52% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$58.4M
+3.5% YoY
+1.6% QoQ
|
-$159.1M |
$217.5M
+2.3% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
Bottom 10% in tier |
| Total Loans ? |
$30.6M
-5.4% YoY
-4.1% QoQ
|
-$108.6M |
$139.2M
+2.8% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
Bottom 11% in tier |
| Total Deposits ? |
$52.3M
+2.3% YoY
+1.5% QoQ
|
-$131.3M |
$183.7M
+1.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 11% in tier |
| Return on Assets ? |
0.33%
+116.0% YoY
+40.2% QoQ
|
-0.75% |
1.08%
+14.7% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 13% in tier |
| Net Interest Margin ? |
3.83%
+8.8% YoY
+1.6% QoQ
|
-0.02% |
3.85%
+6.6% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
51% |
| Efficiency Ratio ? |
88.45%
-3.1% YoY
-3.7% QoQ
|
+20.72% |
67.73%
-4.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 10% in tier |
| Delinquency Rate ? |
0.49%
-23.3% YoY
-3.4% QoQ
|
-0.15% |
0.64%
+24.4% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
46% |
| Loan-to-Deposit Ratio ? |
58.48%
-7.5% YoY
-5.5% QoQ
|
-16.05% |
74.53%
+0.5% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
78% |
| Non-Interest-Bearing Deposit Share ? |
37.65%
-2.2% YoY
-7.5% QoQ
|
+15.26% |
22.39%
-1.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
Top 9% in tier |
| Nonperforming Asset Ratio ? |
0.26%
-29.9% YoY
-8.8% QoQ
|
-0.19% |
0.45%
+25.1% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
51% |
| Tier 1 Capital Ratio ? |
24.37%
+8.2% YoY
+4.5% QoQ
|
+15.52% |
8.85%
-3.4% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
Top 8% in tier |
| Non-Interest Income / Assets ? |
0.39%
-18.8% YoY
+30.0% QoQ
|
-0.18% |
0.56%
+0.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
54% |
Signature Analysis
Strengths (2)
Non-Interest-Bearing Deposit Share
metric
Top 9%
in Micro
Why this stands out
Current:
37.65%
(Tier avg: 22.39%, National avg: 21.79%)
Tier 1 Capital Ratio
metric
Top 8%
in Micro
Why this stands out
Current:
24.37%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (0)
No concerns identified
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
92
92th pctile
Tier 1 Capital Ratio
Current: 24.37% · Tier avg: 8.85%
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 37.65% · Tier avg: 22.39%
78
78th pctile
Loan-to-Deposit Ratio
Current: 58.48% · Tier avg: 74.53%
54
54th pctile
Non-Interest Income / Assets
Current: 0.39% · Tier avg: 0.56%
51
51th pctile
Net Interest Margin
Current: 3.83% · Tier avg: 3.85%
51
51th pctile
Nonperforming Asset Ratio
Current: 0.26% · Tier avg: 0.45%
46
46th pctile
Delinquency Rate
Current: 0.49% · Tier avg: 0.64%
13
13th pctile
Return on Assets
Current: 0.33% · Tier avg: 1.08%
11
11th pctile
Total Deposits
Current: $52.3M · Tier avg: $183.7M
11
11th pctile
Total Loans
Current: $30.6M · Tier avg: $139.2M
10
10th pctile
Efficiency Ratio
Current: 88.45% · Tier avg: 67.73%
10
10th pctile
Total Assets
Current: $58.4M · Tier avg: $217.5M
Top Weaknesses
10
10th pctile
Total Assets
Current: $58.4M · Tier avg: $217.5M
10
10th pctile
Efficiency Ratio
Current: 88.45% · Tier avg: 67.73%
11
11th pctile
Total Loans
Current: $30.6M · Tier avg: $139.2M
11
11th pctile
Total Deposits
Current: $52.3M · Tier avg: $183.7M
13
13th pctile
Return on Assets
Current: 0.33% · Tier avg: 1.08%
46
46th pctile
Delinquency Rate
Current: 0.49% · Tier avg: 0.64%
51
51th pctile
Nonperforming Asset Ratio
Current: 0.26% · Tier avg: 0.45%
51
51th pctile
Net Interest Margin
Current: 3.83% · Tier avg: 3.85%
54
54th pctile
Non-Interest Income / Assets
Current: 0.39% · Tier avg: 0.56%
78
78th pctile
Loan-to-Deposit Ratio
Current: 58.48% · Tier avg: 74.53%
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 37.65% · Tier avg: 22.39%
92
92th pctile
Tier 1 Capital Ratio
Current: 24.37% · Tier avg: 8.85%