BlastPoint's Banking Scorecard
Peoples Bank
Mid-Market
Specialty: Commercial
OH
FDIC cert 6544
Marietta, OH
201
banks in Mid-Market tier nationally
5 in OH
View Mid-Market leaderboard (OH) →
Peoples Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 44% in Mid-Market
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$9.6B
+4.3% YoY
+0.3% QoQ
|
-$819.6M |
$10.5B
+2.9% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
63% |
| Total Loans ? |
$6.7B
+6.1% YoY
+0.4% QoQ
|
-$447.5M |
$7.1B
+4.5% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
58% |
| Total Deposits ? |
$7.8B
+1.4% YoY
-1.6% QoQ
|
-$788.9M |
$8.5B
+3.0% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
59% |
| Return on Assets ? |
1.27%
-10.3% YoY
+6.3% QoQ
|
+0.11% |
1.16%
+9.4% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
61% |
| Net Interest Margin ? |
4.25%
-1.6% YoY
+0.1% QoQ
|
+0.85% |
3.40%
+7.9% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
Top 13% in tier |
| Efficiency Ratio ? |
56.32%
+1.5% YoY
-0.1% QoQ
|
-0.29% |
56.60%
-3.2% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
54% |
| Delinquency Rate ? |
0.64%
-6.3% YoY
+9.2% QoQ
|
-0.05% |
0.68%
+12.0% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
47% |
| Loan-to-Deposit Ratio ? |
86.24%
+4.7% YoY
+2.0% QoQ
|
+0.77% |
85.47%
+1.1% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
54% |
| Non-Interest-Bearing Deposit Share ? |
19.96%
+1.1% YoY
+2.2% QoQ
|
-0.68% |
20.64%
-0.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
42% |
| Nonperforming Asset Ratio ? |
0.44%
-16.4% YoY
-5.1% QoQ
|
-0.06% |
0.50%
+7.3% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
48% |
| Tier 1 Capital Ratio ? |
11.98%
-0.8% YoY
-1.2% QoQ
|
-1.57% |
13.55%
+1.8% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
31% |
| Non-Interest Income / Assets ? |
1.14%
+2.8% YoY
+33.4% QoQ
|
+0.18% |
0.96%
+7.1% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
82% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Margin Compression
decline
#9 of 19 · Bottom 44% in Mid-Market
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
1.27%
(Tier: 1.16%, National: 1.12%)
19 of 19 Mid-Market banks match
·
147 nationally
→ Stable
-9 banks QoQ
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
87
87th pctile
Net Interest Margin
Current: 4.25% · Tier avg: 3.40%
82
82th pctile
Non-Interest Income / Assets
Current: 1.14% · Tier avg: 0.96%
63
63th pctile
Total Assets
Current: $9.6B · Tier avg: $10.5B
61
61th pctile
Return on Assets
Current: 1.27% · Tier avg: 1.16%
59
59th pctile
Total Deposits
Current: $7.8B · Tier avg: $8.5B
58
58th pctile
Total Loans
Current: $6.7B · Tier avg: $7.1B
54
54th pctile
Efficiency Ratio
Current: 56.32% · Tier avg: 56.60%
54
54th pctile
Loan-to-Deposit Ratio
Current: 86.24% · Tier avg: 85.47%
48
48th pctile
Nonperforming Asset Ratio
Current: 0.44% · Tier avg: 0.50%
47
47th pctile
Delinquency Rate
Current: 0.64% · Tier avg: 0.68%
42
42th pctile
Non-Interest-Bearing Deposit Share
Current: 19.96% · Tier avg: 20.64%
31
31th pctile
Tier 1 Capital Ratio
Current: 11.98% · Tier avg: 13.55%
Top Weaknesses
31
31th pctile
Tier 1 Capital Ratio
Current: 11.98% · Tier avg: 13.55%
42
42th pctile
Non-Interest-Bearing Deposit Share
Current: 19.96% · Tier avg: 20.64%
47
47th pctile
Delinquency Rate
Current: 0.64% · Tier avg: 0.68%
48
48th pctile
Nonperforming Asset Ratio
Current: 0.44% · Tier avg: 0.50%
54
54th pctile
Loan-to-Deposit Ratio
Current: 86.24% · Tier avg: 85.47%
54
54th pctile
Efficiency Ratio
Current: 56.32% · Tier avg: 56.60%
58
58th pctile
Total Loans
Current: $6.7B · Tier avg: $7.1B
59
59th pctile
Total Deposits
Current: $7.8B · Tier avg: $8.5B
61
61th pctile
Return on Assets
Current: 1.27% · Tier avg: 1.16%
63
63th pctile
Total Assets
Current: $9.6B · Tier avg: $10.5B
82
82th pctile
Non-Interest Income / Assets
Current: 1.14% · Tier avg: 0.96%
87
87th pctile
Net Interest Margin
Current: 4.25% · Tier avg: 3.40%