# PEOPLES BANK CO
COLDWATER, OH · FDIC certificate 13220 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $859.2M | |
| Deposits | $738.8M | |
| Loans and leases | $460.3M | |
| Total equity | $83.2M | |
| Loans / deposits | 61.49% (p14 of band) | 82.04% |
| Liquid assets / assets | 42.87% (p86 of band) | |
| Uninsured deposits / deposits | 27.39% (p57 of band) | 25.97% |
| Brokered deposits | 2.84% | |
| Wholesale funding | 6.80% (p66 of band) | |
| FHLB advances / assets | 3.96% | |
| Tier 1 leverage | 11.89% (p67 of band) | 10.81% |
| Unrealized securities loss / equity | -31.10% (p12 of band) | -8.10% |
| AOCI / equity | -1.24% (p17 of band) | |
| ROA (annualized) | 1.66% (p73 of band) | 1.28% |
| Net interest margin | 3.27% (p18 of band) | 3.91% |
| Efficiency ratio | 38.43% (p4 of band) | |
| Noncurrent loans | 0.13% (p27 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p52 of band) | |
| Reserve coverage of noncurrent | 988.24% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 33.96% (p41 of band) | |
| Auto loans | $5.4M (1.17% of loans; DQ 0.20%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -1.4% | |
| Employees | 69 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | uninsured deposits leaving |  |
| 2017-06 | 0 |  | uninsured deposits leaving |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 1 | uninsured deposits leaving | capital falling |
| 2020-03 | 2 | deposits shrinking |  |
| 2020-06 | 0 |  | uninsured deposits leaving, deposits shrinking |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | NIM <2.5% |  |
| 2021-06 | 0 |  | NIM <2.5% |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 4 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity, NIM <2.5% |  |
| 2022-06 | 3 |  | NIM <2.5% |
| 2022-09 | 2 |  | capital falling |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 2 | capital falling |  |
| 2023-09 | 1 |  | capital falling |
| 2023-12 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2024-03 | 2 |  | deposits shrinking, assets shrinking |
| 2024-06 | 1 |  | uninsured deposits leaving |
| 2024-09 | 2 | capital falling |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 1 |  | capital falling |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2019-01-04 [The Peoples Bank Co. announces president’s retirement - dailyadvocate.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxQTWY1UzRKMDRhcTdfMm90dDlUcThhdV9kZEVMc2c5WnpFTDE4QWJqQ0c0SVdFeG55TGtCMkZWemNXdHhvMTNPRWl6ekEtRVIwVXJOX2NNRzd5aDFiMVowUnVIMzR2X0tCaDM4a2tmanUzZ1FIQUF5dDg4WDNBQVhNWHN6RU9qcl90aThsakVCTk9KamNPb0JMeA?oc=5) · dailyadvocate.com
- 2022-10-16 [Thomas J Hoyng Obituary Oct 16, 2022 - Hogenkamp Funeral Homes](https://news.google.com/rss/articles/CBMiYEFVX3lxTE1WbE1BMzRUUU55ZXk2RlhNNUtHaGRYU0ZGYXBjU0x1SlJ1Q1lHRWtxMGRtbHpncDdJNE9XU3ZJekY4enJyYmZRc0FwS0htcVVFc1ZxeTV5Vml1VEVtS0E1UA?oc=5) · Hogenkamp Funeral Homes
- 2026-07-14 [East Bank All Abilities Playground Construction To Start Soon - Mercer County Outlook](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOeGhrQjBKdW4wdTZMcUNoN1JOWjR5T09qUmdEMWQ0TW1GdlF0ZlJZbHJEMEFIRWtnN0ZCRmFreFpja2ZzclBHdEVQd21kMUxuZlc0SGNVeFd3eUFfczc1enRScjRtbkRhQ3BCS2dVNk4ybDdhaFRXbHlXdmZNdVltdWhnNG43UnlTWkxZTlB5b2RwelFSdDJmRDB4Z3RiZ2xiZkFkMjBPRk8?oc=5) · Mercer County Outlook
- 2019-08-16 [Livestock champions sell at auction - The Daily Standard](https://news.google.com/rss/articles/CBMibEFVX3lxTE5hVTExbVJzdDJsTzBlMUh4QnpidXNUbUJuUUJXWkV4d21HRHAxQ0lpUTkyMS1sNHVJN1lqdlVQUGRWRTU2eGN3YUMwRExHTVRnQ3F6amM1X3hVU3BNSHBMU1pFbmJRZC1Tel9rbQ?oc=5) · The Daily Standard
- 2025-08-08 [Fair animal sale buyer’s names and results released. Champion market barrow sells for $4000, steer for $3750. - Sidney Daily News](https://news.google.com/rss/articles/CBMi4AFBVV95cUxQR1hHbU8wNU1uc2pSVXdYWXVMUTFVZVAtOEVGcXNHVUZQX2E2S081dWVIaXpweVFiVFVkNVdyLWVORzZqYTlSdktxQ0tGN0U3YWJyUldtcmdfYnFQbjBuNVZMb3pJOXBUbEJOVlpDMF8xX1VPV055Z2dOS0ZMUWk4aHExLWVnT25uUXhGUVdlNUMyR2RoclcxWDVvY0ZEbHNNcjl5YkZRZFhSUzh0OHFDaFBiQlNwNFRVVUxZcEhJUWFRNnRqSU1DT1BxSGIxZlVTa1NnN0pxam40c29ZNUFCMQ?oc=5) · Sidney Daily News
- 2016-03-16 [Vincent C. Kanney Obituary Mar 16, 2016 - Hogenkamp Funeral Homes](https://news.google.com/rss/articles/CBMiY0FVX3lxTE1SZDd0SDNVMVIzMUp4NGxEUXRrQnptNkpIRjVlUHJaQTQzaVJyZU5ZTnk4dmp4SS1WaFN2RjhrU1lGRHJLd3hURFVQN0tUVmRLNEdtOUsxWDlDVWRfZjdvakJ1SQ?oc=5) · Hogenkamp Funeral Homes
- 2022-12-02 [The MED Foundation of Mercer Health hosts Charity Ball and Corvette Raffle - Mercer County Outlook](https://news.google.com/rss/articles/CBMiugFBVV95cUxQSzg4WklqWjZid2Zhc3puY29jSlRaZVJvNDVOTnE3WUZJMndsT3B6eVZJS29aQWhYM2xFeHZlUVIwNWZNX2JUdnJVbkY2MG1hYmZLcEw1SjI2bU9Vdnk1d3ZLSG1zVEVsUzEtaHd3X2JzSDAzVU1vUWJqRGJVSnYyYWdMREpfUzQ0dHV1cXM5S29USlF2QnV0bklZb2NsRlJ3ejJCNjZ6QnpSZkx0cGUweWZGNW1LX3haX0E?oc=5) · Mercer County Outlook
- 2019-08-16 [Livestock champions sell at auction - The Daily Standard](https://news.google.com/rss/articles/CBMibEFVX3lxTE1PWFVDRmotQlhBWHNXTjMtN192bWgtV2lCR3hCbkJkN1N6Z3NHWHE5UFhfZjFCQzA3ajVPSDg3Nm5xUWtoaENMQ01MRDEyODYtdFhIX2xHNUtoODFac0FfNjZ3NzVtYV9zWFVQLQ?oc=5) · The Daily Standard

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13220 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/36.json (key "13220", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide