Headquartered in Coldwater, Ohio, The Peoples Bank Co. is a state-chartered bank with $859.2M in total assets and $738.8M in deposits as of Q2 2026. It operates 7 offices. Its charter dates back to 1905.
Based on its Q2 2026 filing, The Peoples Bank Co. scores 85/100, which we describe as very strong. That is higher than 88% of 2,650 banks with $100 million – $1 billion. Among 157 banks headquartered in Ohio, it ranks 16th. Its strongest component is problem-loan coverage (99/100; 0.7%), and its lowest is capital cushion (69/100; 11.89%).
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 3 points (82 → 85), mostly because the capital cushion component improved by 10 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 76 |
| Q3 2024 | 77 |
| Q4 2024 | 77 |
| Q1 2025 | 81 |
| Q2 2025 | 82 |
| Q3 2025 | 82 |
| Q4 2025 | 84 |
| Q1 2026 | 85 |
| Q2 2026 | 85 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.51% |
| Q3 2024 | 10.30% |
| Q4 2024 | 10.28% |
| Q1 2025 | 10.77% |
| Q2 2025 | 10.87% |
| Q3 2025 | 11.16% |
| Q4 2025 | 11.52% |
| Q1 2026 | 11.97% |
| Q2 2026 | 11.89% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.15% |
| Q2 2025 | 0.03% |
| Q3 2025 | 0.05% |
| Q4 2025 | 0.08% |
| Q1 2026 | 0.17% |
| Q2 2026 | 0.13% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.92% |
| Q3 2024 | 1.15% |
| Q4 2024 | 1.23% |
| Q1 2025 | 1.69% |
| Q2 2025 | 1.64% |
| Q3 2025 | 1.53% |
| Q4 2025 | 1.61% |
| Q1 2026 | 1.68% |
| Q2 2026 | 1.66% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 85 | $859.2M | 11.89% | 0.13% | 1.66% | 61.5% |
| Q1 2026 | 85 | $842.5M | 11.97% | 0.17% | 1.68% | 58.6% |
| Q4 2025 | 84 | $831.0M | 11.52% | 0.08% | 1.61% | 59.4% |
| Q3 2025 | 82 | $840.5M | 11.16% | 0.05% | 1.53% | 58.1% |
| Q2 2025 | 82 | $839.7M | 10.87% | 0.03% | 1.64% | 57.0% |
| Q1 2025 | 81 | $835.5M | 10.77% | 0.15% | 1.69% | 56.0% |
| Q4 2024 | 77 | $806.3M | 10.28% | 0.00% | 1.23% | 56.4% |
| Q3 2024 | 77 | $834.5M | 10.30% | 0.00% | 1.15% | 53.3% |
| Q2 2024 | 76 | $798.5M | 10.51% | 0.00% | 0.92% | 53.6% |
2,650 peers · $100 million – $1 billion
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 |
|---|---|---|---|---|---|
| Unified BankBank Martins Ferry, OH | 62 out of 100, Moderate | $871.7M | 9.0% | 1.29% | vs |
| The Old Fort Banking CompanyBank Old Fort, OH | 72 out of 100, Strong | $843.9M | 8.9% | 0.20% | vs |
| Mechanics BankBank Mansfield, OH | 61 out of 100, Moderate | $896.4M | 8.4% | 0.42% | vs |
| Minster BankBank Minster, OH | 79 out of 100, Strong | $811.6M | 10.1% | 0.14% | vs |
| The Killbuck Savings Bank CompanyBank Killbuck, OH | 73 out of 100, Strong | $953.8M | 9.5% | 0.01% | vs |
| The Genoa Banking CompanyBank Genoa, OH | 62 out of 100, Moderate | $747.8M | 7.6% | 0.01% | vs |
Deposit insurance
Is my money safe at The Peoples Bank Co.?
Yes. The Peoples Bank Co. is an FDIC-insured institution (FDIC certificate #13220). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 27.4% of deposits ($202.4M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.89%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 21.77% (benchmark: 10%).
7 locations
Branches
The Peoples Bank Co. lists 6 offices in 5 cities. Most locations:
- Celina, OH (2)
- Burkettsville, OH (1)
- Coldwater, OH (1)
- Rockford, OH (1)
- Saint Marys, OH (1)
Identity & history
Profile
- Legal name
- The Peoples Bank Co.
- Former names
- The Peoples Bank Company
- Type
- State-chartered bank
- FDIC certificate #
- 13220
- RSSD ID
- 702911
- Primary regulator
- FDIC
- Holding company
- Peoples Holding Co Inc
- Established
- November 20, 1905
- Headquarters
- 112 W Main St, Coldwater, OH 45828
- Website
- www.pbc.bank
- Employees
- 69
Quick answers
The Peoples Bank Co.: common questions
Is The Peoples Bank Co. FDIC insured?
Yes. The Peoples Bank Co. is an FDIC-insured institution (FDIC certificate #13220). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Peoples Bank Co.'s TellerScore?
85 out of 100 (Very 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 Co. ever failed?
There is no failure record for FDIC certificate #13220 in the FDIC failed bank list.
How many branches does The Peoples Bank Co. have?
7 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Coldwater
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Crossroads Financial Federal Credit UnionCredit union Portland, IN | 100 out of 100, Very strong | $102.4M | 15.1% | 0.05% | vs |
| Superior Credit Union, IncCredit union Lima, OH | 94 out of 100, Very strong | $2.0B | 15.2% | 0.20% | vs |
| The St. Henry BankBank St. Henry, OH | 92 out of 100, Very strong | $435.6M | 13.6% | 0.10% | vs |
| Versailles Savings and Loan CompanyBank Versailles, OH | 89 out of 100, Very strong | $65.6M | 19.3% | 0.00% | vs |
| Greenville National BankBank Greenville, OH | 86 out of 100, Very strong | $641.5M | 13.0% | 0.05% | vs |
| Minster BankBank Minster, OH | 79 out of 100, Strong | $811.6M | 10.1% | 0.14% | vs |