# PEOPLES BANK
GAMBIER, OH · FDIC certificate 389 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (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 | $60.4M | |
| Deposits | $54.3M | |
| Loans and leases | $31.5M | |
| Total equity | $5.8M | |
| Loans / deposits | 57.54% (p27 of band) | 73.59% |
| Liquid assets / assets | 45.79% (p73 of band) | |
| Uninsured deposits / deposits | 16.20% (p36 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.81% (p37 of band) | 11.76% |
| Unrealized securities loss / equity | -15.58% (p30 of band) | -6.57% |
| AOCI / equity | -1.15% (p24 of band) | |
| ROA (annualized) | 0.29% (p12 of band) | 1.17% |
| Net interest margin | 3.99% (p54 of band) | 3.93% |
| Efficiency ratio | 88.77% (p89 of band) | |
| Noncurrent loans | 0.33% (p49 of band) | 0.36% |
| Net charge-offs (annualized) | -0.21% (p1 of band) | |
| Reserve coverage of noncurrent | 222.86% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 16.97% (p49 of band) | |
| Auto loans | $364,000 (1.16% of loans; DQ 6.04%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.6% | |
| Employees | 16 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 1 | reserve under noncurrent |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | capital falling |  |
| 2012-12 | 1 |  | reserve under noncurrent |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 | uninsured deposits leaving | capital falling |
| 2015-09 | 1 |  |  |
| 2015-12 | 2 | reserve under noncurrent |  |
| 2016-03 | 0 |  | uninsured deposits leaving, reserve under noncurrent |
| 2016-06 | 1 | reserve under noncurrent |  |
| 2016-09 | 0 |  | reserve under noncurrent |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 2 | expense ratio p90, uninsured deposits leaving |  |
| 2018-06 | 0 |  | expense ratio p90, uninsured deposits leaving |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | assets shrinking |  |
| 2019-06 | 0 |  | assets shrinking |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | expense ratio p90 |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 0 |  | capital falling, expense ratio p90 |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 3 | capital falling, losing money, expense ratio p90 |  |
| 2022-06 | 4 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling |
| 2022-09 | 5 | assets shrinking |  |
| 2022-12 | 6 | reserve under noncurrent, deposits shrinking | losing money |
| 2023-03 | 5 | losing money | expense ratio p90, AOCI drag >20% of equity |
| 2023-06 | 4 |  | losing money |
| 2023-09 | 4 |  |  |
| 2023-12 | 2 |  | assets shrinking, deposits shrinking |
| 2024-03 | 4 | losing money, expense ratio p90, charge-offs p90 | reserve under noncurrent |
| 2024-06 | 5 | capital falling |  |
| 2024-09 | 2 | deposits shrinking, uninsured deposits leaving | securities losses >30% of equity, losing money, expense ratio p90, charge-offs p90, capital falling |
| 2024-12 | 1 | securities losses >30% of equity | deposits shrinking, uninsured deposits leaving |
| 2025-03 | 2 | expense ratio p90, charge-offs p90 | securities losses >30% of equity |
| 2025-06 | 1 | reserve under noncurrent | expense ratio p90, charge-offs p90 |
| 2025-09 | 2 | charge-offs p90 |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 0 |  | reserve under noncurrent, charge-offs p90 |
| 2026-06 | 0 |  |  |

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

- 2026-09-04 [Lawson takes president position at Peoples Bank of Kentucky - The Hendersonian](https://news.google.com/rss/articles/CBMikwFBVV95cUxOV0RKX3RINlFkV0JxblJKNEY3blk0YVEwcnlydWo4SVZEQ0FoSG1hQld1WEd0UkItbkViOTZEZVR2blNhcXBCSDFjekJfbi1lLU5YTmxDa2R2bG13OUFBZUwyb1BBMmt5TG9OVjAzeG1uX3dWdFEwcE50UVBESFRyLUNxdXBoUmpaWUg5NlRxdzBONW8?oc=5) · The Hendersonian
- 2026-09-03 [Peoples Bank pledges $45k over 3 years to Bowling Green nonprofit - WBKO](https://news.google.com/rss/articles/CBMinwFBVV95cUxPc3EtbUoxTVZHYWhKR19hYk9OT2xEdE5HMnI5a1dTUGFERzBxQVVBNjBMRkZyeTkyelczX3VQQ0xtemRPQmpKNGZvd1YxYkt4UERiQ0xXcGJoNFB3aW5vZV91NHRXMGV2ZUJiak43Sm1kUHZZU0tyVHZxQXdwLXR4SWtCQjU1azVCVmYzZ0VRanZmRDR6TG54cmczNGVLZVE?oc=5) · WBKO
- 2026-04-27 [Ohio’s Peoples Bank to expand in Kentucky - Banking Dive](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPM3ZFNWp5b1RhcFVOOHVUTWdDczFXaEt6RXFzbDJqaTlHTVluMUNJb21MMUd5bWVPbFRyOVE2akVVdmtnOEw1aTRHb3JhZGJoUElXbURDT1hxcVR1VnBKcmF6UEN0MUpaQkJoeWV4NEh5ejBCVEZ2YUl6WkFQMGVjUHEyZ1ljZnoz?oc=5) · Banking Dive
- 2026-08-31 [Settlers Bank makes $500,000 investment in Peoples Bank Theatre - - The Parkersburg News and Sentinel](https://news.google.com/rss/articles/CBMivwFBVV95cUxPdDExOW5FQWltUl9oZXBaRmtaTDZRNUlfXzRuR3EyT3RmZmJOLU01ZG93Ny1SZ2Fjd2FOWEtmMlAzX2t0Tl9oOHdTQUYzcjUzOV9rWlJtSWRicGRYQnZnQ215U3Q1SnNvUHhtQkVMZjFuQV9tTmhJV3JRQmJjNUoyMml1YmltOEE4NV9IMTcwYWZoZEhxSFNDdURtMG9CQ2phalJudWVHdzFKelhqRW8zTzN2bXpySDYtbXpPXzFRMA?oc=5) · The Parkersburg News and Sentinel
- 2026-09-03 [Peoples Bank bolsters Wilmington College’s Critical Needs Fund - Wilmington News Journal](https://news.google.com/rss/articles/CBMinAFBVV95cUxQLXNpYmIybm44SU5DenBiTUZQS3ZlMndXMGVGWWtHWHpYQ1otaDlFZnJ4SVFTMDBnNWwwTVhjRTlHNmJOV1VaXzk2TDNpaGZ6cHhucTFSMDBwQXJYU0xHc0FHRmJLX3V5a2RzSlUtWUx2TktsZFBqcW1SWVdLN3A4TDhHc1p6RzNlcjVOTVk2WTBtcTFhcFZYNENKYm0?oc=5) · Wilmington News Journal
- 2026-09-01 [Peoples Bank secures $60,000 grant for Jamestown ball field - Jefferson City News Tribune](https://news.google.com/rss/articles/CBMilgFBVV95cUxNTjBmS2hZeHlIb0pIb3JJUlVSZ0FRdHVSRmRWRjhORlh5cUUyTkhJdWhYZFZ6eEJQRUhXVFdkc19mTXMyWXA1UXZRbmt3VGstREJuUV9zSFU5N0s3VUFXOUlTeTRRNjROX3l5WXd0QVhjVHlVNkR5TjBkbVlfWEljRlFWbjFQdkE3a1VJbG9lXzFGOXdvRGc?oc=5) · Jefferson City News Tribune
- 2026-07-21 [Peoples Bank will become First Financial in $208M deal - nwindianabusiness.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxNd09YTXlEdXBtUTIwWFV1X2s3ZWQyem9NaXlsTmRPZXhYR0tQTzkySXZ1QWNuU0pzMlY2bkdLbU9jSWhSTk90VndkalE2QXVKd3ExN25HNFFOOXpiRFhOM1FGTnV3ZTFDSUhpWk9oU1hySGtaM3dnMEMtTUl2cm1xMjdib2J1T0o0Yld4VWtOdjZvS1VZSXIyT1p3?oc=5) · nwindianabusiness.com
- 2026-08-20 [Peoples Bank Foundation gives $5,000 to GoPacks to fight food insecurity - WTAP](https://news.google.com/rss/articles/CBMingFBVV95cUxNM3czbkVEb3BkV01fbzkxX2ZJU0dZWUVUbHB0TmJkRzNLR0llQmozbTlpd3lsX0VDRTZoTklPWlRERkdxVGp1UjNHR2U3VVdWTGtEOFN2LVNmak5udDc2anJIMlNUOFQxMS1yaXJLT2VTMG9WNU1uTkk4eEIxd3NPN3N1NUYzcnBJUDh2eGJhX3lPcXdWb1F3bXZxM3VvQdIBsgFBVV95cUxQcC1yU1V5bDlHUFhQQVhyTWhWZXV6MEZPODJWb2RJaFY4ZmN0WER4S3lXY24wWFNoRklKSjRBTy1CNmM4QXRPcGdmMkJwU1FxWGpIUVMyYjhFVEdDTTVnUjdLYW9fem1DNDlST2RxNFdMTktzTmhub1BUXzliOE1CTkJaRmV6TjNvQ0tQU2Q4cVhJbng5Z1VELWw5R1AxYlJkSHVrRkt3cTBXVGtNOTN1Z3ZR?oc=5) · WTAP

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=389 (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/5.json (key "389", 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