Peoples Bank Mortgage Rates, Fees & Info

Marietta, OH

LEI: I70W3N0Z6KOX8FYIH023

Tax ID: 31-1278433

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
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    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Peoples Bank is a smaller bank specializing in Cash Out Refi, Home Purchase, and Refi loans. Peoples Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Cincinnati, Marietta, Parkersburg, Columbus, and Cambridge among others. We have data for 59 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Peoples Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Peoples Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 4.95% 11/1/24
    30 Year Conventional Purchase 7.07% 11/1/24
    30 Year Conventional Refi 6.67% 11/1/24
    30 Year Cash-out Refi 6.95% 11/1/24
    30 Year FHA Purchase 7.33% 11/1/24
    30 Year FHA Refi 6.27% 11/1/24
    30 Year VA Purchase 6.27% 11/1/24
    30 Year USDA Purchase 7.07% 11/1/24
    15 Year Conventional Purchase 6.39% 11/1/24
    15 Year Conventional Refi 6.83% 11/1/24
    15 Year Cash-out Refi 6.83% 11/1/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Peoples Bank Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Peoples Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    2,370

    Origination Dollar Volume (All Markets)

    $299,500,000

    Employee count

    1,188 Show all (15) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 303 $45,335,000 $149,620 $2,939 3.33%
    Outside of Metro Areas 414 $43,220,000 $104,396 $2,840 3.34%
    Marietta, OH (FHA|USDA|VA) 275 $30,815,000 $112,055 $3,189 3.20%
    PARKERSBURG-VIENNA, WV (FHA|USDA|VA) 260 $30,090,000 $115,731 $3,292 3.26%
    COLUMBUS, OH (FHA|USDA|VA) 124 $19,790,000 $159,597 $3,086 3.24%
    Cambridge, OH (FHA|USDA|VA) 135 $15,235,000 $112,852 $2,569 3.33%
    HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 136 $14,170,000 $104,191 $2,502 3.48%
    Portsmouth, OH (FHA|USDA|VA) 123 $13,675,000 $111,179 $2,849 3.30%
    AKRON, OH (FHA|USDA|VA) 78 $8,820,000 $113,077 $2,557 3.30%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 46 $7,280,000 $158,261 $2,951 3.31%
    Point Pleasant, WV-OH (FHA|USDA|VA) 70 $6,270,000 $89,571 $2,948 3.41%
    Zanesville, OH (FHA|USDA|VA) 53 $6,115,000 $115,377 $2,912 3.28%
    Wilmington, OH (FHA|USDA|VA) 58 $5,680,000 $97,931 $2,418 3.40%
    Coshocton, OH (FHA|USDA|VA) 52 $5,170,000 $99,423 $3,298 3.26%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 17 $4,915,000 $289,118 $2,847 3.18%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 16 $4,590,000 $286,875 $3,609 2.95%
    Athens, OH (FHA|USDA|VA) 46 $4,310,000 $93,696 $2,787 3.42%
    Jackson, OH (FHA|USDA|VA) 36 $4,130,000 $114,722 $2,742 3.43%
    LOUISVILLE, KY (FHA|USDA|VA) 8 $2,610,000 $326,250 $3,418 2.81%
    ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 1 $2,585,000 $2,585,000 $11,023 3.25%
    CHARLESTON, WV (FHA|USDA|VA) 17 $2,515,000 $147,941 $2,919 3.65%
    MORGANTOWN, WV (FHA|USDA|VA) 5 $2,465,000 $493,000 $3,577 2.90%
    Mount Vernon, OH (FHA|USDA|VA) 15 $1,845,000 $123,000 $2,876 3.16%
    RICHMOND, VA (FHA|USDA|VA) 2 $1,490,000 $745,000 $4,374 3.69%
    CANTON-MASSILLON, OH (FHA|USDA|VA) 8 $1,280,000 $160,000 $3,091 3.44%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 2 $1,190,000 $595,000 $5,869 3.44%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 2 $1,150,000 $575,000 $3,845 4.06%
    WHEELING, WV-OH (FHA|USDA|VA) 11 $1,125,000 $102,273 $1,881 3.98%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $1,045,000 $1,045,000 $13,842 2.88%
    New Philadelphia-Dover, OH (FHA|USDA|VA) 7 $1,025,000 $146,429 $3,040 3.20%
    Chillicothe, OH (FHA|USDA|VA) 10 $980,000 $98,000 $2,327 3.39%
    Frankfort, KY (FHA|USDA|VA) 2 $790,000 $395,000 $5,017 3.06%
    Mount Sterling, KY (FHA|USDA|VA) 5 $725,000 $145,000 $3,170 3.03%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 2 $590,000 $295,000 $2,709 2.88%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 1 $545,000 $545,000 $5,133 3.25%
    KNOXVILLE, TN (FHA|USDA|VA) 1 $535,000 $535,000 $4,009 2.63%
    Sidney, OH (FHA|USDA|VA) 1 $475,000 $475,000 $4,443 2.75%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $445,000 $445,000 $6,015 2.88%
    BARNSTABLE TOWN, MA (FHA|USDA|VA) 1 $445,000 $445,000 $4,618 4.25%
    Fairmont, WV (FHA|USDA|VA) 1 $435,000 $435,000 $3,401 3.38%
    Wooster, OH (FHA|USDA|VA) 2 $430,000 $215,000 $2,372 3.00%
    HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 1 $385,000 $385,000 $3,068 3.25%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 1 $325,000 $325,000 $0 4.25%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $305,000 $305,000 $4,432 3.00%
    MANSFIELD, OH (FHA|USDA|VA) 3 $295,000 $98,333 $2,153 3.69%
    PUNTA GORDA, FL (FHA|USDA|VA) 1 $235,000 $235,000 $5,191 3.00%
    SPRINGFIELD, OH (FHA|USDA|VA) 2 $210,000 $105,000 $3,482 3.69%
    Georgetown, SC (FHA|USDA|VA) 1 $195,000 $195,000 $3,210 2.88%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 1 $175,000 $175,000 $2,591 2.75%
    Washington Court House, OH (FHA|USDA|VA) 1 $175,000 $175,000 $3,095 3.50%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $155,000 $155,000 $4,124 2.88%
    Clarksburg, WV (FHA|USDA|VA) 1 $145,000 $145,000 $3,338 3.00%
    Mount Gay-Shamrock, WV (FHA|USDA|VA) 2 $110,000 $55,000 $0 3.75%
    Greenville, OH (FHA|USDA|VA) 1 $95,000 $95,000 $4,523 2.50%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $85,000 $85,000 $2,443 2.50%
    Maysville, KY (FHA|USDA|VA) 1 $85,000 $85,000 $2,763 2.88%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 1 $75,000 $75,000 $3,188 4.25%
    Ashland, OH (FHA|USDA|VA) 1 $65,000 $65,000 $0 3.00%
    Urbana, OH (FHA|USDA|VA) 1 $55,000 $55,000 $0 2.75%
    Peoples Bank's top markets include Cincinnati, Marietta, Parkersburg, Columbus, and Cambridge among others.

    Their top states include:
  • Ohio (FHA|USDA|VA)
  • West Virginia (FHA|USDA|VA)
  • Kentucky (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • New York (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Peoples Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,320 $220,660,000 $167,167 $2,884 3.14%
    HELOC 1,007 $72,565,000 $72,061 n/a 3.55%
    FHA 29 $4,055,000 $139,828 $5,690 2.81%
    USDA 13 $1,925,000 $148,077 $5,119 3.04%
    VA 1 $295,000 $295,000 $5,154 2.63%

    For 2021, Peoples Bank's most frequently originated type of loan was Conventional, with 1,320 originations. Their 2nd most popular type was HELOC, with 1,007 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Cash Out Refi 669 $81,655,000 $122,055 $3,032 3.24%
    Home Purchase 624 $102,950,000 $164,984 $3,012 3.35%
    Home Improvement 470 $26,590,000 $56,574 $2,099 3.61%
    Refi 404 $73,410,000 $181,708 $2,915 2.82%
    Other 203 $14,895,000 $73,374 $2,575 3.70%

    For 2021, Peoples Bank's most frequently cited loan purpose was Cash Out Refi, with 669 originations. The 2nd most popular reason was Home Purchase, with 624 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    10 Year 1,069 $80,945,000 $75,720 $2,461 3.54%
    30 Year 815 $142,055,000 $174,301 $3,030 3.29%
    15 Year 340 $47,960,000 $141,059 $2,907 2.70%
    20 Year 129 $21,295,000 $165,078 $2,912 3.22%
    Other 11 $3,095,000 $281,364 $3,093 2.80%
    5 Year 6 $4,150,000 $691,667 $0 4.08%

    For 2021, Peoples Bank's most frequently cited loan duration was 10 Year, with 1,069 originations. The 2nd most popular length was 30 Year, with 815 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 894 $149,950,000 $167,729
    $<1k 405 $57,045,000 $140,852
    $2k-3k 28 $6,220,000 $222,143
    $3k-4k 8 $1,870,000 $233,750
    $4k-5k 4 $1,550,000 $387,500
    $5k+ 1 $195,000 $195,000

    Peoples Bank's average total fees were $3,030, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 894 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 1,038 $127,790,000 $123,112
    2.5-3% 774 $112,960,000 $145,943
    4-5% 228 $21,680,000 $95,088
    <2.5% 215 $30,265,000 $140,767
    5-6% 78 $5,120,000 $65,641
    6-7% 37 $1,685,000 $45,541

    During 2021, Peoples Bank's average interest rate for loans was 3.29%, while their most frequently originated rate bucket for loans was 3-4%, with 1,038 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 1,220 $66,010,000 $54,107 $2,524 3.45%
    $100k-200k 798 $111,590,000 $139,837 $2,988 3.20%
    $200k-400k 277 $73,575,000 $265,614 $3,367 3.07%
    $400k-600k 47 $22,375,000 $476,064 $3,676 3.17%
    $600k-1MM 21 $15,815,000 $753,095 $4,642 3.21%
    $1MM+ 7 $10,135,000 $1,447,857 $9,130 3.00%

    2021 saw Peoples Bank place emphasis on $100,000 or less loans with 1,220 originations, totaling $66,010,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 622 $46,930,000 $75,450 $2,521 3.34%
    $50k-75k 621 $64,045,000 $103,132 $2,971 3.31%
    $100k-150k 402 $59,170,000 $147,189 $3,091 3.24%
    $75k-100k 366 $41,390,000 $113,087 $3,148 3.30%
    $150k-250k 167 $31,655,000 $189,551 $3,242 3.27%
    $250k+ 95 $37,865,000 $398,579 $4,271 3.24%

    Peoples Bank lent most frequently to those with incomes in the $50k or less range, with 622 originations. The second most popular income band? $50k-75k, with 621 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 694 $85,390,000 $123,040 $2,950 3.27%
    30-36% 478 $55,290,000 $115,669 $2,955 3.37%
    <20% 362 $49,870,000 $137,762 $2,952 3.22%
    42% 122 $11,660,000 $95,574 $2,770 3.30%
    37% 95 $12,265,000 $129,105 $2,926 3.51%
    41% 94 $11,480,000 $122,128 $3,178 3.38%
    38% 94 $10,100,000 $107,447 $2,615 3.53%
    40% 87 $10,145,000 $116,609 $2,954 3.26%
    39% 87 $10,945,000 $125,805 $2,979 3.42%
    36% 75 $8,635,000 $115,133 $2,806 3.30%
    43% 37 $4,915,000 $132,838 $3,135 3.19%
    44% 28 $3,870,000 $138,214 $3,273 3.17%
    45% 22 $3,810,000 $173,182 $3,683 3.11%
    47% 21 $3,145,000 $149,762 $3,089 3.05%
    49% 16 $2,340,000 $146,250 $3,586 2.97%
    46% 13 $2,035,000 $156,538 $3,018 3.01%
    48% 12 $2,160,000 $180,000 $2,982 3.02%
    50-60% 9 $1,125,000 $125,000 $4,076 3.46%
    >60% 1 $215,000 $215,000 $1,122 3.50%

    Peoples Bank lent most frequently to those with DTI ratios of 20-30%, with 694 originations. The next most common DTI ratio? 30-36%, with 478 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,161 $263,695,000 $122,025 $2,959 3.30%
    Not provided 124 $16,600,000 $133,871 $3,610 3.39%
    Not applicable 23 $10,105,000 $439,348 $0 4.10%
    Asian 21 $3,995,000 $190,238 $2,623 2.88%
    Black 27 $3,955,000 $146,481 $2,444 3.57%
    American Indian 11 $875,000 $79,545 $2,947 4.13%
    Asian Indian 2 $220,000 $110,000 $4,065 3.50%
    Native Hawaiian or Islander 1 $55,000 $55,000 $0 3.25%

    Approval Rates

    Total approvals of all applications
    80.18%

    Peoples Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    80.93%

    Peoples Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,370 $299,500,000 $126,371

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    2,370 $299,500,000 $126,371

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 461 $30,975,000 $67,191 $2,621 3.44%
    40-60% 422 $55,250,000 $130,924 $2,894 3.08%
    60-80% 597 $110,175,000 $184,548 $3,102 3.15%
    80-100% 547 $90,885,000 $166,152 $2,976 3.35%
    Under 20% 343 $12,215,000 $35,612 $1,315 3.65%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION Conventional home mortgage Closing on a mortgage 2 15.4%
    PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION Conventional home mortgage Struggling to pay mortgage 2 15.4%
    PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION Conventional home mortgage Trouble during payment process 4 30.8%
    PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION Home equity loan or line of credit (HELOC) Trouble during payment process 2 15.4%
    PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION Other type of mortgage Trouble during payment process 3 23.1%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Peoples Bank 118 N Market St Waverly, OH 45690 Full Service B&M $13,336
    Peoples Bank 1180 North 21st Street Newark, OH 43055 Full Service B&M $15,700
    Peoples Bank 1 North Court Street Athens, OH 45701 Full Service B&M $31,323
    Peoples Bank 101 5th Avenue Huntington, WV 25701 Full Service B&M $89,948
    Peoples Bank 101 Canewood Center Drive Georgetown, KY 40324 Full Service B&M $2,296
    Peoples Bank 101 East A Street Wellston, OH 45692 Full Service B&M $55,115
    Peoples Bank 101 Harry Sauner Road Hillsboro, OH 45133 Full Service B&M $25,409
    Peoples Bank 1066 Hebron Road Heath, OH 43056 Full Service B&M $8,437
    Peoples Bank 1102 Grand Central Avenue Vienna, WV 26105 Full Service B&M $46,565
    Peoples Bank 112 Lynn Street Pomeroy, OH 45769 Limited, Drive-thru $0
    Peoples Bank 115 Court Street Pomeroy, OH 45769 Full Service B&M $73,793
    Peoples Bank 120 North Main Street Baltimore, OH 43105 Full Service B&M $63,065
    Peoples Bank 124 Gross Street Marietta, OH 45750 Full Service B&M $61,601
    Peoples Bank 125 West Main Street Blanchester, OH 45107 Full Service B&M $44,748
    Peoples Bank 1344 Rombach Avenue Wilmington, OH 45177 Full Service B&M $64,564
    Peoples Bank 1345 Yauger Road Mount Vernon, OH 43050 Full Service B&M $15,469
    Peoples Bank 135 North Howard Street Sabina, OH 45169 Full Service B&M $42,238
    Peoples Bank 138 Putnam Street Marietta, OH 45750 Limited, Drive-thru $0
    Peoples Bank 138 Putnam Street Marietta, OH 45750 Full Service Cyber Office $17
    Peoples Bank 138 Putnam Street Marietta, OH 45750 Full Service B&M $553,462
    Peoples Bank 1400 East Second Street Franklin, OH 45005 Full Service B&M $29,083
    Peoples Bank 141 West Main Street New Vienna, OH 45159 Full Service B&M $17,800
    Peoples Bank 158 East Cuyahoga Falls Avenue Akron, OH 44310 Full Service B&M $45,103
    Peoples Bank 1627 Ashland Road Greenup, KY 41144 Full Service B&M $30,324
    Peoples Bank 1871 State Road Cuyahoga Falls, OH 44221 Full Service B&M $26,255
    Peoples Bank 1902 Washington Boulevard Belpre, OH 45714 Full Service B&M $116,217
    Peoples Bank 1999 Winchester Avenue Ashland, KY 41101 Full Service B&M $38,789
    Peoples Bank 20 Sandhill Road Reno, OH 45773 Full Service B&M $47,165
    Peoples Bank 200 Main Street Coshocton, OH 43812 Full Service B&M $142,966
    Peoples Bank 201 East Main Street Batavia, OH 45103 Full Service B&M $65,988
    Peoples Bank 207 Main Street New Martinsville, WV 26155 Full Service B&M $102,948
    Peoples Bank 221 S 2nd Street Byesville, OH 43723 Full Service B&M $63,244
    Peoples Bank 2211 West Fair Avenue Lancaster, OH 43130 Full Service B&M $45,386
    Peoples Bank 230 East Mountain Parkway Salyersville, KY 41465 Full Service B&M $23,012
    Peoples Bank 244 West Main Street Williamsburg, OH 45176 Full Service B&M $33,987
    Peoples Bank 24400 Chagrin Boulevard, Suite 100 Beachwood, OH 44122 Full Service B&M $188,609
    Peoples Bank 262 Cassidy Boulevard Pikeville, KY 41501 Full Service B&M $23,977
    Peoples Bank 2904 Pike Street Parkersburg, WV 26101 Full Service B&M $34,726
    Peoples Bank 300 Main Street Lowell, OH 45744 Full Service B&M $45,807
    Peoples Bank 3108 Maple Avenue Zanesville, OH 43701 Full Service B&M $38,487
    Peoples Bank 311 North Arnold Avenue Prestonsburg, KY 41653 Full Service B&M $87,031
    Peoples Bank 332 Second Street Marietta, OH 45750 Full Service B&M $50,381
    Peoples Bank 3340 Greenwich Road Norton, OH 44203 Full Service B&M $21,946
    Peoples Bank 3411 Emerson Avenue Parkersburg, WV 26104 Full Service B&M $34,525
    Peoples Bank 347 East James Hannah Drive South Shore, KY 41175 Full Service B&M $0
    Peoples Bank 349 Third Avenue Gallipolis, OH 45631 Full Service B&M $37,483
    Peoples Bank 38 Tirangle Street Martin, KY 41649 Full Service B&M $49,622
    Peoples Bank 415 Main Street Caldwell, OH 43724 Full Service B&M $140,795
    Peoples Bank 421 Main Street Point Pleasant, WV 25550 Full Service B&M $99,517
    Peoples Bank 43 South Main Street Munroe Falls, OH 44262 Full Service B&M $24,391
    Peoples Bank 452 West Main Street Mount Orab, OH 45154 Full Service B&M $82,367
    Peoples Bank 48 North South Street Wilmington, OH 45177 Full Service B&M $92,079
    Peoples Bank 503 Chillicothe Street Portsmouth, OH 45662 Full Service B&M $99,639
    Peoples Bank 505 East Main Street Lancaster, OH 43130 Full Service B&M $39,390
    Peoples Bank 556 Wheeling Avenue Cambridge, OH 43725 Full Service B&M $48,817
    Peoples Bank 590 East Main Street Jackson, OH 45640 Full Service B&M $23,270
    Peoples Bank 601 N Mayo Trail Paintsville, KY 41240 Full Service B&M $30,690
    Peoples Bank 6210 Snider Road Mason, OH 45040 Full Service B&M $18,849
    Peoples Bank 6284 Rivers Bend Drive Maineville, OH 45039 Full Service B&M $16,377
    Peoples Bank 655 West Central Avenue Carlisle, OH 45005 Full Service B&M $47,036
    Peoples Bank 6601 U.S. Route 60 Ashland, KY 41102 Full Service B&M $32,244
    Peoples Bank 68 South Kennebec Avenue Mcconnelsville, OH 43756 Full Service B&M $42,014
    Peoples Bank 7110 Bachman Road Sardinia, OH 45171 Full Service Retail $21,425
    Peoples Bank 7114 Miami Avenue Madeira, OH 45243 Full Service B&M $10,174
    Peoples Bank 726 Wells Street Sistersville, WV 26175 Full Service B&M $19,568
    Peoples Bank 735 Lila Avenue Milford, OH 45150 Full Service B&M $37,703
    Peoples Bank 7920 Ohio River Rd Wheelersburg, OH 45694 Full Service B&M $42,343
    Peoples Bank 801 East State Street Athens, OH 45701 Full Service B&M $47,391
    Peoples Bank 826 Franklin Road Waynesville, OH 45068 Full Service B&M $29,758
    Peoples Bank 838 North Arnold Avenue Prestonsburg, KY 41653 Full Service B&M $20,257
    Peoples Bank 845 Wheeling Avenue Cambridge, OH 43725 Full Service B&M $199,174
    Peoples Bank 87 Main Street Inez, KY 41224 Full Service B&M $20,919
    Peoples Bank 885 South Main Street Georgetown, OH 45121 Full Service B&M $79,093
    Peoples Bank 900 Diederich Boulevard Russell, KY 41169 Full Service B&M $29,573
    Peoples Bank 903 Division Street Parkersburg, WV 26101 Full Service B&M $43,740
    Peoples Bank 907 Chillicothe Street Portsmouth, OH 45662 Full Service B&M $19,671
    Peoples Bank 910 Columbus Avenue Lebanon, OH 45036 Full Service Retail $36,187
    Peoples Bank 95 Edgebrook Drive Springboro, OH 45066 Full Service B&M $49,400
    Peoples Bank 951 Canal Street Nelsonville, OH 45764 Full Service B&M $40,428
    Peoples Bank 9813 Montgomery Road Montgomery, OH 45242 Full Service B&M $22,904

    For 2021, Peoples Bank had 80 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $184,545
    Net interest income $172,660
    Total noninterest income $71,615
    Gross Fiduciary activities income $10,490
    Service charges on deposit accounts $9,426
    Trading account gains and fees $543
    Additional Noninterest Income $51,156
    Pre-tax net operating income $64,670
    Securities gains (or losses, -) $-813
    Income before extraordinary items $51,640
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $51,640
    Minority interest net income $0
    Net income $51,640
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $52,298

    Peoples Bank's gross interest income from loans was $184,545,000.
    Peoples Bank's net interest income from loans was $172,660,000.
    Peoples Bank's fee based income from loans was $9,426,000.
    Peoples Bank's net income from loans was $51,640,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $11,885
    Provision for credit losses $79
    Total noninterest expense $179,526
    Salaries and employee benefits $91,167
    Premises and equipment expense $14,916
    Additional noninterest expense $73,443
    Applicable income taxes $12,217
    Net charge-offs $4,693
    Cash dividends $29,000

    Peoples Bank's interest expense for loans was $11,885,000.
    Peoples Bank's payroll and benefits expense were $91,167,000.
    Peoples Bank's property, plant and equipment expenses $14,916,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 1.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 1.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 1.0%
    HELOC loans 0.0%
    All other family 1.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 19.3%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $5,880,354
    Deposits held in domestic offices $5,880,354
    Deposits by Individuals, partnerships, and corporations $5,158,177
    Deposits by U.S. Government $274,632
    Deposits by States and political subdivisions in the U.S. $384,247
    Deposits by Commercial banks and other depository institutions in U.S. $63,298
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $374,179
    Demand deposits $123,635
    Nontransaction accounts $5,506,175
    Money market deposit accounts (MMDAs) $3,810,829
    Other savings deposits (excluding MMDAs) $1,045,226
    Total time deposits $650,120
    Total time and savings deposits $5,756,719
    Noninterest-bearing deposits $1,641,738
    Interest-bearing deposits $4,238,616
    Retail deposits $5,657,317
    IRAs and Keogh plan accounts $133,870
    Brokered deposits $104,745
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $7,057,211
    Cash & Balances due from depository institutions $395,752
    Interest-bearing balances $321,460
    Total securities $1,648,475
    Federal funds sold & reverse repurchase $17,903
    Net loans and leases $4,415,214
    Loan and leases loss allowance $67,471
    Trading account assets $12,219
    Bank premises and fixed assets $97,569
    Other real estate owned $9,496
    Goodwill and other intangibles $296,491
    All other assets $164,092

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $7,057,211
    Total Liabilities $6,223,046
    Total deposits $5,880,354
    Interest-bearing deposits $4,238,616
    Deposits held in domestic offices $5,880,354
    % insured (estimated) $70
    Federal funds purchased and repurchase agreements $112,028
    Trading liabilities $17,183
    Other borrowed funds $149,499
    Subordinated debt $0
    All other liabilities $63,982

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $4,415,214
    Loan and leases loss allowance $67,471
    Total loans and leases (domestic) $4,482,685
    All real estate loans $2,696,668
    Real estate loans in domestic offices $2,696,668
    Construction and development loans $211,454
    Residential 1-4 family construction $14,131
    Other construction, all land development and other land $197,323
    Loans secured by nonfarm nonresidential properties $1,251,670
    Nonfarm nonresidential secured by owner-occupied properties $581,105
    Commercial real estate & other non-farm, non-residential $670,565
    Multifamily residential real estate $99,582
    1-4 family residential loans $1,091,234
    Farmland loans $42,728
    Loans held in foreign offices $0
    Farm loans $10,031
    Commercial and industrial loans $999,308
    To non-U.S. addressees $0
    Loans to individuals $635,187
    Credit card loans $357
    Related Plans $797
    Consumer Auto Loans $508,144
    Other loans to individuals $125,889
    All other loans & leases $141,491
    Loans to foreign governments and official institutions $0
    Other loans $756
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $14,744
    Non 1-4 family restructured loans & leases $5,370
    Total loans and leases (foreign) $0

    Peoples Bank had $4,415,214,000 of loans outstanding in 2021. $2,696,668,000 of loans were in real estate loans. $211,454,000 of loans were in development loans. $99,582,000 of loans were in multifamily mortgage loans. $1,091,234,000 of loans were in 1-4 family mortgage loans. $10,031,000 of loans were in farm loans. $357,000 of loans were in credit card loans. $508,144,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 1,789 $355,130 $198,508
    Nonfarm, nonresidential loans - <$100k 475 $16,749 $35,261
    Nonfarm, nonresidential loans - $100-250k 574 $61,590 $107,300
    Nonfarm, nonresidential loans - $250k-1MM 740 $276,791 $374,042
    Commercial & Industrial, US addressed loans - <$1MM 10,952 $349,552 $31,917
    Commercial & Industrial, US addressed loans - <$100k 9,442 $87,438 $9,261
    Commercial & Industrial, US addressed loans - $100-250k 795 $77,323 $97,262
    Commercial & Industrial, US addressed loans - $250k-1MM 715 $184,791 $258,449
    Farmland loans - <$1MM 241 $32,402 $134,448
    Farmland loans - <$100k 98 $3,132 $31,959
    Farmland loans - $100-250k 76 $9,256 $121,789
    Farmland loans - $250k-1MM 67 $20,014 $298,716
    Agriculture operations loans - <$1MM 165 $10,030 $60,788
    Agriculture operations loans - <$100k 129 $2,008 $15,566
    Agriculture operations loans - $100-250k 21 $2,059 $98,048
    Agriculture operations loans - $250k-1MM 15 $5,963 $397,533