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Peoples Bank
Marietta, OH·FDIC Cert #6544·Charter: STATE·Est. 19020526.0·HC: PEOPLES BCORP INC
Total Assets
$9.6B
Q4 2025
Return on Assets
1.27%
+0.08%Peer avg: 1.21%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
56.32%
Peer avg: 56.4%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
57
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.27%+0.08
ROE
10.40%+0.61
Efficiency
56.32%-0.06
Equity/Assets
0.00%+0.00
NPL Ratio
0.64%+0.05
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
86.24%+1.72
Charge-offs
0.45%-0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.5 | 1.4 | 1.5 | 1.4 | 1.2 | 1.1 | 1.2 | 1.3 |
| ROE | 12.6 | 12.2 | 12.3 | 11.9 | 9.9 | 9.2 | 9.8 | 10.4 |
| Efficiency | 54.3 | 55.5 | 54.7 | 55.5 | 57.3 | 57.0 | 56.4 | 56.3 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.6 | 0.7 | 1.0 | 0.7 | 0.6 | 0.6 | 0.6 | 0.6 |
| Charge-offs | 0.2 | 0.2 | 0.3 | 0.4 | 0.5 | 0.5 | 0.4 | 0.4 |
| Loan/Deposit | 83.4 | 85.3 | 82.6 | 82.4 | 81.9 | 85.0 | 84.5 | 86.2 |
Balance Sheet
Total Assets$9.6B
Total Deposits$7.8B
Total Loans$6.7B
Total Equity$1.2B
Profitability
ROA1.27%
ROE10.40%
Efficiency Ratio56.32%
Net Income$120.5M
Risk & Asset Quality
NPL Ratio0.64%
Charge-off Rate0.45%
Loan/Deposit86.24%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans