$59.2M
+2.6%y/y
Percentile by value48th percentileby value
FDIC
ASSETPB
The Peoples Bank
Gambier, OhioFDIC Cert #389
STATEEstablished 19202 branches
Holding company: PEOPLES BANCSHARES GAMBIER INCRegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportThe Peoples Bank reported $59.2M in total assets. Deposits grew 1.86% over the prior year.
Return on assets was 0.20%, compared with an asset-peer median of 0.97%. The leverage ratio was 11.06%.
- Why is Tier 1 Leverage Ratio below asset peers?
- Why is Net Loan Growth, Year over Year below asset peers?
- Why is Noncurrent Loan Ratio below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$53.2M
+1.9%y/y
Percentile by value54th percentileby value
FDIC
DEP$29M
−9.0%y/y
Percentile by value47th percentileby value
FDIC
LNLSNET0.20%
+19 bpsy/y
Peer standing19th percentile
FDIC
NETINC + ROA92.06%
−775 bpsy/y
Peer standing19th percentile
FDIC
NONIX + NIM + NONII + EEFFR11.06%
+2 bpsy/y
Peer standing29th percentile
FDIC
RBC1AAJPercentiles compare this bank with 590 banks under $100 million.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $64.7M | $57.6M |
| Q3 2021 | $67.1M | $60.4M |
| Q4 2021 | $65.6M | $59.3M |
| Q1 2022 | $66M | $60.8M |
| Q2 2022 | $64M | $59.5M |
| Q3 2022 | $62.8M | $58.5M |
| Q4 2022 | $60.9M | $54.8M |
| Q1 2023 | $60.5M | $55.8M |
| Q2 2023 | $60.6M | $55.8M |
| Q3 2023 | $59.6M | $54.8M |
| Q4 2023 | $58.6M | $53.6M |
| Q1 2024 | $59M | $54.2M |
| Q2 2024 | $59.5M | $54.5M |
| Q3 2024 | $57.8M | $49M |
| Q4 2024 | $56.5M | $51.2M |
| Q1 2025 | $57.7M | $52.3M |
| Q2 2025 | $59M | $53.4M |
| Q3 2025 | $57.5M | $51.6M |
| Q4 2025 | $58.4M | $52.3M |
| Q1 2026 | $59.2M | $53.2M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $2.57M |
| Investor CRE | $1.44M |
| Multifamily | $0 |
| Construction | $495K |
| 1–4 family | $21.4M |
| C&I | $1.75M |
| Agriculture | $506K |
| Other | $988K |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.20%19th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th −0.66%Median 0.97%90th 2.53%Observations 590
ROE
FDIC
NETINC + ROE2.01%22nd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th −4.01%Median 7.76%90th 17.70%Observations 590
NIM
FDIC
NIM + NIMY3.82%52nd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.60%Median 3.78%90th 5.00%Observations 591
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR92.06%19th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 50.30%Median 71.56%90th 113.91%Observations 590
Deposits YoY
FDIC
DEP+1.86%44th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −6.03%Median +2.56%90th +13.29%Observations 547
Loans YoY
FDIC
LNLSNET−9.04%9th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −8.25%Median +2.70%90th +19.03%Observations 527
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.39%50th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.41%90th 3.46%Observations 530
Leverage
FDIC
RBC1AAJ11.06%29th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.02%Median 13.02%90th 57.11%Observations 591
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.49%76th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.09%Median 2.13%90th 3.32%Observations 546
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC29%54th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 0%Median 25%90th 129%Observations 281
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.20%11th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.16%Median 0.93%90th 1.86%Observations 161
ROE
FDIC
NETINC + ROE2.01%11th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 1.91%Median 9.24%90th 17.50%Observations 161
NIM
FDIC
NIM + NIMY3.82%63rd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.58%Median 3.60%90th 4.63%Observations 161
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR92.06%11th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 51.01%Median 69.09%90th 94.07%Observations 161
Deposits YoY
FDIC
DEP+1.86%38th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.14%Median +3.26%90th +14.21%Observations 157
Loans YoY
FDIC
LNLSNET−9.04%4th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.48%Median +5.21%90th +17.27%Observations 155
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.39%49th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.37%90th 1.65%Observations 155
Leverage
FDIC
RBC1AAJ11.06%54th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.63%Median 10.81%90th 18.96%Observations 161
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.49%82nd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.30%Median 2.23%90th 3.58%Observations 157
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC29%14th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 12%Median 102%90th 239%Observations 91
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.20%23rd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th −0.48%Median 0.68%90th 14.83%Observations 27
ROE
FDIC
NETINC + ROE2.01%19th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th −3.14%Median 4.99%90th 15.94%Observations 27
NIM
FDIC
NIM + NIMY3.82%73rd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.29%Median 3.65%90th 4.28%Observations 27
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR92.06%27th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 55.21%Median 82.70%90th 125.82%Observations 27
Deposits YoY
FDIC
DEP+1.86%61st percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −7.43%Median +1.05%90th +5.74%Observations 24
Loans YoY
FDIC
LNLSNET−9.04%5th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −7.92%Median +2.12%90th +9.48%Observations 23
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.39%27th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.22%90th 1.67%Observations 23
Leverage
FDIC
RBC1AAJ11.06%19th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 10.54%Median 15.10%90th 92.12%Observations 27
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.49%61st percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 0.90%Median 1.82%90th 2.85%Observations 24
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC29%67th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 0%Median 12%90th 41%Observations 10
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 2 branches
- Headquarters
- Gambier, OH
FDIC
OFFDOMOpen the Ohio dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data