Total Assets
$831M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
The Peoples Bank Co. — FDIC Bank Health Profile
Coldwater, Ohio · Est. 1905. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
State chartered State member bank FDIC Cert #13220 Chicago Region
A
Health grade
Excellent
Score: 80/100
Basel III capital ratios — The Peoples Bank Co.
Total Deposits
$729M
Customer-funded liabilities
Net Loans
$433M
Outstanding loan book
Net Income
$13M
Bottom-line earnings
Safety Metrics
Tier 1 capital ratio
Well-capitalized 10%
20.74% of risk-weighted assets — above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
20.74%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$80M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
1.61%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
19.49%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
39.48%
Income & Expense Breakdown
$37M
Interest Income
$3M
Non-Interest Income
$11M
Non-Interest Expense
FDIC Deposit Insurance
The Peoples Bank Co. is FDIC-insured (Certificate #13220). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
What the Numbers Say About The Peoples Bank Co.
The Peoples Bank Co. is an FDIC-insured institution (Certificate #13220) headquartered in Coldwater, Ohio, established in 1905. The bank currently holds $831M in total assets and $729M in customer deposits, with $433M deployed as loans. It operates as a State chartered (State member bank) within the FDIC Chicago region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, The Peoples Bank Co. reports a Tier 1 Capital Ratio of 20.74% — above the 10% federal threshold for "well-capitalized" status and a Texas Ratio of —. Equity capital stands at $80M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 1.61% and a Return on Equity of 19.49%, with an Efficiency Ratio of 39.48% — below the 60% mark considered efficient for the industry. The combined picture yields a PlainBankData health grade of A (80/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at The Peoples Bank Co. is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in Ohio by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data The Peoples Bank Co. (FDIC Cert #13220) — Tier 1 capital ratio, total assets, deposits, CRA rating · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other Banks in Ohio
All Ohio banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| JPMorgan Chase Bank, National Association Columbus | $3.8T | B | 1.34% |
| U.S. Bank National Association Cincinnati | $676.1B | B | 1.18% |
| The Huntington National Bank Columbus | $224.0B | C | 1.20% |
| Fifth Third Bank, National Association Cincinnati | $213.7B | B | 1.34% |
| KeyBank National Association Cleveland | $181.7B | B | 1.17% |
| First Financial Bank Cincinnati | $21.0B | B | 1.53% |
| Third Federal Savings and Loan Association of Cleveland Cleveland | $17.5B | C | 0.51% |
| The Park National Bank Newark | $9.7B | B | 1.90% |
Frequently Asked Questions
What is The Peoples Bank Co.'s health grade? ▼
The Peoples Bank Co. receives a health grade of A (80/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is The Peoples Bank Co.? ▼
The Peoples Bank Co. holds $831M in total assets and $729M in deposits. It is headquartered in Coldwater, Ohio.
Is my money safe at The Peoples Bank Co.? ▼
Yes. The Peoples Bank Co. is FDIC-insured (Certificate #13220). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is The Peoples Bank Co.'s Tier 1 Capital Ratio? ▼
The Peoples Bank Co. has a Tier 1 Capital Ratio of 20.74%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
How efficient is The Peoples Bank Co.? ▼
The Peoples Bank Co. has an Efficiency Ratio of 39.48%. Below 60% is considered efficient — the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.