The Peoples Bank (FDIC certificate #389) is based in Gambier, Ohio. Its Q2 2026 call report shows $60.4M in total assets and $54.3M in deposits and 2 offices.
Based on its Q2 2026 filing, The Peoples Bank scores 71/100, which we describe as strong. That is higher than only 42% of 546 banks with under $100 million in assets. Among 157 banks headquartered in Ohio, it ranks 74th. Its strongest component is funding & liquidity (99/100; 58% loans-to-deposits, 16% uninsured), and its lowest is earnings (32/100; 0.29%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 6 points (65 → 71), mostly because the loan quality component improved by 18 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 66 |
| Q3 2024 | 65 |
| Q4 2024 | 67 |
| Q1 2025 | 67 |
| Q2 2025 | 65 |
| Q3 2025 | 69 |
| Q4 2025 | 70 |
| Q1 2026 | 70 |
| Q2 2026 | 71 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.73% |
| Q3 2024 | 10.84% |
| Q4 2024 | 11.00% |
| Q1 2025 | 11.04% |
| Q2 2025 | 10.85% |
| Q3 2025 | 11.11% |
| Q4 2025 | 10.94% |
| Q1 2026 | 11.06% |
| Q2 2026 | 10.81% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.45% |
| Q3 2024 | 0.59% |
| Q4 2024 | 0.64% |
| Q1 2025 | 0.47% |
| Q2 2025 | 0.86% |
| Q3 2025 | 0.51% |
| Q4 2025 | 0.49% |
| Q1 2026 | 0.39% |
| Q2 2026 | 0.33% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.12% |
| Q3 2024 | 0.06% |
| Q4 2024 | 0.15% |
| Q1 2025 | 0.01% |
| Q2 2025 | 0.22% |
| Q3 2025 | 0.24% |
| Q4 2025 | 0.33% |
| Q1 2026 | 0.20% |
| Q2 2026 | 0.29% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 71 | $60.4M | 10.81% | 0.33% | 0.29% | 57.5% |
| Q1 2026 | 70 | $59.2M | 11.06% | 0.39% | 0.20% | 54.4% |
| Q4 2025 | 70 | $58.4M | 10.94% | 0.49% | 0.33% | 58.5% |
| Q3 2025 | 69 | $57.5M | 11.11% | 0.51% | 0.24% | 61.9% |
| Q2 2025 | 65 | $59.0M | 10.85% | 0.86% | 0.22% | 60.1% |
| Q1 2025 | 67 | $57.7M | 11.04% | 0.47% | 0.01% | 61.0% |
| Q4 2024 | 67 | $56.5M | 11.00% | 0.64% | 0.15% | 63.2% |
| Q3 2024 | 65 | $57.8M | 10.84% | 0.59% | 0.06% | 66.4% |
| Q2 2024 | 66 | $59.5M | 10.73% | 0.45% | -0.12% | 58.5% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Ohio
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Waterford Commercial and Savings BankBank Waterford, OH | 83 out of 100, Strong | $60.0M | 13.6% | 0.09% | vs |
| Fortuna BankBank Grandview Heights, OH | 76 out of 100, Strong | $57.3M | 34.1% | 0.00% | vs |
| Community First Bank, National AssociationBank Forest, OH | 70 out of 100, Strong | $56.3M | 9.4% | 0.00% | vs |
| Liberty BankBank Ironton, OH | 82 out of 100, Strong | $55.7M | 18.0% | 0.77% | vs |
| Versailles Savings and Loan CompanyBank Versailles, OH | 89 out of 100, Very strong | $65.6M | 19.3% | 0.00% | vs |
| The Pioneer Savings BankBank Cleveland, OH | 69 out of 100, Moderate | $54.7M | 11.8% | 0.00% | vs |
Deposit insurance
Is my money safe at The Peoples Bank?
Yes. The Peoples Bank is an FDIC-insured institution (FDIC certificate #389). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 16.2% of deposits ($8.8M) are above the $250,000 FDIC insurance limit, close to the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.81%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 24.67% (benchmark: 10%).
2 locations
Branches
The Peoples Bank lists 2 offices in 2 cities. Most locations:
- Gambier, OH (1)
- Mount Vernon, OH (1)
Identity & history
Profile
- Legal name
- The Peoples Bank
- Type
- State-chartered bank
- FDIC certificate #
- 389
- RSSD ID
- 378110
- Primary regulator
- FDIC
- Holding company
- Peoples Bancshares Gambier Inc
- Established
- June 1, 1920
- Headquarters
- 103 E Wiggin St, Gambier, OH 43022
- Website
- www.peoplesgambier.com
- Employees
- 16
Quick answers
The Peoples Bank: common questions
Is The Peoples Bank FDIC insured?
Yes. The Peoples Bank is an FDIC-insured institution (FDIC certificate #389). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Peoples Bank's TellerScore?
71 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The Peoples Bank ever failed?
There is no failure record for FDIC certificate #389 in the FDIC failed bank list.
How many branches does The Peoples Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Gambier
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| C E S Credit UnionCredit union Mount Vernon, OH | 91 out of 100, Very strong | $244.3M | 13.1% | 0.16% | vs |
| First Bank of OhioBank Tiffin, OH | 90 out of 100, Very strong | $278.4M | 35.5% | 0.26% | vs |
| Harvest Federal Credit UnionCredit union Heath, OH | 84 out of 100, Strong | $43.9M | 12.8% | 0.30% | vs |
| The Home Loan Savings BankBank Coshocton, OH | 77 out of 100, Strong | $386.7M | 11.7% | 0.58% | vs |
| Pillar Credit UnionCredit union Marion, OH | 76 out of 100, Strong | $134.8M | 11.6% | 0.60% | vs |
| German American BankBank Jasper, IN | 75 out of 100, Strong | $8.4B | 11.2% | 0.45% | vs |