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 Home Purchase loans. Peoples Bank has a high proportion of conventional loans. They have a low ratio of USDA loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Cincinnati, Marietta, Parkersburg, Dayton, and Cambridge among others. We have data for 46 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% 11/21/24
    30 Year Conventional Purchase 7.07% 11/21/24
    30 Year Conventional Refi 6.67% 11/21/24
    30 Year Cash-out Refi 6.95% 11/21/24
    30 Year FHA Purchase 7.33% 11/21/24
    30 Year FHA Refi 6.27% 11/21/24
    30 Year VA Purchase 6.27% 11/21/24
    30 Year USDA Purchase 7.07% 11/21/24
    15 Year Conventional Purchase 6.39% 11/21/24
    15 Year Conventional Refi 6.83% 11/21/24
    15 Year Cash-out Refi 6.83% 11/21/24
    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

    1,808

    Origination Dollar Volume (All Markets)

    $201,920,000

    Employee count

    871 Show all (5) 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) 359 $50,445,000 $140,515 $3,135 4.97%
    Outside of Metro Areas 244 $20,620,000 $84,508 $2,474 4.77%
    Marietta, OH (FHA|USDA|VA) 225 $20,085,000 $89,267 $2,661 4.76%
    PARKERSBURG-VIENNA, WV (FHA|USDA|VA) 183 $16,845,000 $92,049 $2,886 4.83%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 65 $13,725,000 $211,154 $4,015 4.97%
    Cambridge, OH (FHA|USDA|VA) 125 $11,725,000 $93,800 $2,713 4.76%
    COLUMBUS, OH (FHA|USDA|VA) 69 $9,485,000 $137,464 $2,626 4.99%
    HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 83 $6,595,000 $79,458 $2,258 4.92%
    AKRON, OH (FHA|USDA|VA) 52 $6,160,000 $118,462 $2,469 4.55%
    Portsmouth, OH (FHA|USDA|VA) 61 $5,675,000 $93,033 $2,596 4.95%
    Coshocton, OH (FHA|USDA|VA) 57 $4,575,000 $80,263 $2,299 4.91%
    CHARLESTON, WV (FHA|USDA|VA) 3 $4,505,000 $1,501,667 $2,939 5.08%
    Zanesville, OH (FHA|USDA|VA) 45 $4,455,000 $99,000 $2,699 4.93%
    MORGANTOWN, WV (FHA|USDA|VA) 1 $4,375,000 $4,375,000 $0 5.63%
    Athens, OH (FHA|USDA|VA) 47 $3,955,000 $84,149 $2,940 4.81%
    Wilmington, OH (FHA|USDA|VA) 48 $3,810,000 $79,375 $2,115 4.99%
    Point Pleasant, WV-OH (FHA|USDA|VA) 40 $2,360,000 $59,000 $2,616 4.67%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 15 $2,335,000 $155,667 $2,047 5.05%
    Jackson, OH (FHA|USDA|VA) 26 $1,680,000 $64,615 $2,296 4.87%
    CANTON-MASSILLON, OH (FHA|USDA|VA) 4 $1,180,000 $295,000 $2,707 4.96%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 3 $865,000 $288,333 $4,013 5.50%
    New Philadelphia-Dover, OH (FHA|USDA|VA) 7 $785,000 $112,143 $2,447 4.80%
    Mount Vernon, OH (FHA|USDA|VA) 8 $640,000 $80,000 $2,728 5.06%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 2 $600,000 $300,000 $3,810 4.13%
    Chillicothe, OH (FHA|USDA|VA) 5 $485,000 $97,000 $1,545 4.75%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 2 $460,000 $230,000 $4,044 4.81%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $455,000 $455,000 $2,467 4.50%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 2 $420,000 $210,000 $3,569 4.19%
    Washington Court House, OH (FHA|USDA|VA) 4 $340,000 $85,000 $2,635 4.66%
    WHEELING, WV-OH (FHA|USDA|VA) 5 $325,000 $65,000 $1,215 4.90%
    LOUISVILLE, KY (FHA|USDA|VA) 1 $245,000 $245,000 $2,300 4.38%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 1 $245,000 $245,000 $4,199 4.63%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 1 $235,000 $235,000 $3,403 4.75%
    Wooster, OH (FHA|USDA|VA) 2 $230,000 $115,000 $2,973 4.56%
    Celina, OH (FHA|USDA|VA) 1 $165,000 $165,000 $3,563 4.88%
    Fairmont, WV (FHA|USDA|VA) 1 $145,000 $145,000 $3,168 4.88%
    PITTSBURGH, PA (FHA|USDA|VA) 1 $125,000 $125,000 $3,865 4.63%
    WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 1 $105,000 $105,000 $2,735 5.25%
    Bucyrus-Galion, OH (FHA|USDA|VA) 1 $75,000 $75,000 $2,022 4.63%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $75,000 $75,000 $2,947 3.50%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $75,000 $75,000 $3,072 5.13%
    Clarksburg, WV (FHA|USDA|VA) 1 $55,000 $55,000 $2,914 4.99%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 1 $55,000 $55,000 $2,697 5.13%
    Sandusky, OH (FHA|USDA|VA) 1 $45,000 $45,000 $0 6.50%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $45,000 $45,000 $2,803 5.13%
    PUNTA GORDA, FL (FHA|USDA|VA) 1 $35,000 $35,000 $2,641 4.63%
    Peoples Bank's top markets include Cincinnati, Marietta, Parkersburg, Dayton, 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)
  • Indiana (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.

    Cleveland Selfreliance FCU
    Similarity Rank: 15
    Town Square Bank
    Similarity Rank: 30
    FIRESTONE
    Similarity Rank: 32
    Community Bank of Parkersburg
    Similarity Rank: 44
    The Peoples Bank
    Similarity Rank: 120
    MIAMI UNIVERSITY COMMUNITY
    Similarity Rank: 120
    The Poca Valley Bank, Inc.
    Similarity Rank: 133
    Greenville Federal
    Similarity Rank: 144
    CINCINNATI OHIO POLICE
    Similarity Rank: 172
    New Carlisle Federal Savings Bank
    Similarity Rank: 224

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,065 $148,845,000 $139,761 $2,625 4.81%
    HELOC 680 $42,530,000 $62,544 n/a 4.95%
    USDA 33 $3,955,000 $119,848 $4,228 4.70%
    FHA 20 $3,770,000 $188,500 $6,785 4.68%
    VA 10 $2,820,000 $282,000 $8,026 4.79%

    For 2018, Peoples Bank's most frequently originated type of loan was Conventional, with 1,065 originations. Their 2nd most popular type was HELOC, with 680 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 810 $125,550,000 $155,000 $3,063 4.85%
    Cash Out Refi 390 $37,230,000 $95,462 $2,576 4.74%
    Home Improvement 307 $14,355,000 $46,759 $989 5.04%
    Other 158 $7,060,000 $44,684 $1,255 5.07%
    Refi 143 $17,725,000 $123,951 $2,568 4.60%

    For 2018, Peoples Bank's most frequently cited loan purpose was Home Purchase, with 810 originations. The 2nd most popular reason was Cash Out Refi, with 390 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    10 Year 750 $49,810,000 $66,413 $1,473 4.94%
    30 Year 742 $114,940,000 $154,906 $3,158 4.80%
    15 Year 182 $16,300,000 $89,560 $1,992 4.67%
    20 Year 106 $10,480,000 $98,868 $2,506 4.92%
    5 Year 12 $6,870,000 $572,500 $588 5.42%
    Other 12 $1,860,000 $155,000 $3,450 5.12%
    30+ year 3 $655,000 $218,333 $4,667 4.92%
    1 Year 1 $1,005,000 $1,005,000 $0 4.48%

    For 2018, Peoples Bank's most frequently cited loan duration was 10 Year, with 750 originations. The 2nd most popular length was 30 Year, with 742 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 751 $82,275,000 $109,554
    $1k-2k 327 $56,805,000 $173,716
    $2k-3k 19 $4,025,000 $211,842
    $3k-4k 6 $1,730,000 $288,333
    $4k-5k 3 $745,000 $248,333
    $5k+ 1 $405,000 $405,000

    Peoples Bank's average total fees were $3,158, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 751 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 1,224 $143,730,000 $117,426
    5-6% 292 $36,200,000 $123,973
    3-4% 136 $13,220,000 $97,206
    6-7% 119 $7,155,000 $60,126
    7-8% 37 $1,615,000 $43,649

    During 2018, Peoples Bank's average interest rate for loans was 4.80%, while their most frequently originated rate bucket for loans was 4-5%, with 1,224 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 1,076 $54,180,000 $50,353 $2,101 4.94%
    $100k-200k 482 $67,550,000 $140,145 $3,017 4.73%
    $200k-400k 218 $56,290,000 $258,211 $4,028 4.73%
    $400k-600k 25 $11,265,000 $450,600 $4,026 4.79%
    $1MM+ 5 $11,345,000 $2,269,000 $0 5.12%
    $600k-1MM 2 $1,290,000 $645,000 $4,137 5.63%

    2018 saw Peoples Bank place emphasis on $100,000 or less loans with 1,076 originations, totaling $54,180,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 567 $38,065,000 $67,134 $2,427 4.83%
    $50k-75k 458 $43,060,000 $94,017 $2,862 4.86%
    $75k-100k 283 $33,225,000 $117,403 $3,029 4.80%
    $100k-150k 274 $36,920,000 $134,745 $3,079 4.84%
    $150k-250k 128 $22,770,000 $177,891 $3,002 5.05%
    $250k+ 33 $8,115,000 $245,909 $3,196 5.07%

    Peoples Bank lent most frequently to those with incomes in the $50k or less range, with 567 originations. The second most popular income band? $50k-75k, with 458 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 556 $56,280,000 $101,223 $2,674 4.86%
    30-36% 363 $38,785,000 $106,846 $2,877 4.84%
    <20% 209 $18,095,000 $86,579 $2,755 4.81%
    42% 81 $7,525,000 $92,901 $2,277 4.78%
    41% 78 $7,880,000 $101,026 $2,615 4.89%
    40% 75 $8,215,000 $109,533 $2,894 4.98%
    36% 68 $7,560,000 $111,176 $2,738 4.96%
    39% 67 $6,785,000 $101,269 $2,570 4.85%
    38% 66 $6,210,000 $94,091 $2,663 4.90%
    37% 64 $6,130,000 $95,781 $2,682 4.80%
    43% 29 $4,285,000 $147,759 $3,686 4.76%
    44% 25 $3,155,000 $126,200 $3,380 4.92%
    46% 22 $3,790,000 $172,273 $3,437 4.81%
    48% 21 $3,155,000 $150,238 $3,138 4.98%
    45% 21 $2,505,000 $119,286 $3,031 4.83%
    47% 20 $3,280,000 $164,000 $3,033 4.76%
    49% 18 $3,120,000 $173,333 $3,328 4.80%
    >60% 4 $490,000 $122,500 $2,235 4.31%
    50-60% 2 $290,000 $145,000 $4,833 4.56%

    Peoples Bank lent most frequently to those with DTI ratios of 20-30%, with 556 originations. The next most common DTI ratio? 30-36%, with 363 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,701 $175,815,000 $103,360 $2,764 4.85%
    Not applicable 19 $14,385,000 $757,105 $0 5.38%
    Not provided 46 $4,290,000 $93,261 $3,016 5.03%
    Asian 20 $4,020,000 $201,000 $3,433 4.85%
    Black 17 $2,765,000 $162,647 $3,861 5.01%
    American Indian 4 $350,000 $87,500 $2,474 4.53%
    Other Asian 1 $295,000 $295,000 $8,694 4.63%

    Approval Rates

    Total approvals of all applications
    82.34%

    Peoples Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    82.69%

    Peoples Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,808 $201,920,000 $111,681

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 7 $11,955,000 $1,707,857
    Single Family (1-4 Units):Manufactured 112 $6,590,000 $58,839
    Single Family (1-4 Units):Site-Built 1,689 $183,375,000 $108,570

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 325 $19,155,000 $58,938 $1,407 4.87%
    40-60% 211 $22,175,000 $105,095 $2,728 4.66%
    60-80% 381 $59,595,000 $156,417 $2,899 4.75%
    80-100% 579 $90,535,000 $156,364 $3,169 4.81%
    Over 100% 4 $750,000 $187,500 $7,627 4.81%
    Under 20% 307 $9,605,000 $31,287 $651 5.20%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    Peoples Home Equity, Inc. Conventional home mortgage Closing on a mortgage 2 50.0%
    Peoples Home Equity, Inc. FHA mortgage Applying for a mortgage or refinancing an existing mortgage 1 25.0%
    Peoples Home Equity, Inc. Other type of mortgage Closing on a mortgage 1 25.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Peoples Bank 118 N Market St Waverly, OH 45690 Full Service B&M $11,802
    Peoples Bank 300 Main Street Lowell, OH 45744 Full Service B&M $33,798
    Peoples Bank 1 North Court Street Athens, OH 45701 Full Service B&M $34,940
    Peoples Bank 101 5th Avenue Huntington, WV 25701 Full Service B&M $33,440
    Peoples Bank 101 East A Street Wellston, OH 45692 Full Service B&M $51,060
    Peoples Bank 101 Harry Sauner Road Hillsboro, OH 45133 Full Service B&M $15,287
    Peoples Bank 1066 Hebron Road Heath, OH 43056 Full Service B&M $5,651
    Peoples Bank 1102 Grand Central Avenue Vienna, WV 26105 Full Service B&M $19,520
    Peoples Bank 112 Lynn Street Pomeroy, OH 45769 Limited, Drive-thru $0
    Peoples Bank 1142 South Bridge Street New Martinsville, WV 26155 Full Service Retail $14,097
    Peoples Bank 115 Court Street Pomeroy, OH 45769 Full Service B&M $62,848
    Peoples Bank 1180 North 21st Street Newark, OH 43055 Full Service B&M $9,233
    Peoples Bank 120 North Main Street Baltimore, OH 43105 Full Service B&M $31,018
    Peoples Bank 124 Gross Street Marietta, OH 45750 Full Service B&M $46,798
    Peoples Bank 125 West Main Street Blanchester, OH 45107 Full Service B&M $29,689
    Peoples Bank 1344 Rombach Avenue Wilmington, OH 45177 Full Service B&M $40,558
    Peoples Bank 1345 Yauger Road Mount Vernon, OH 43050 Full Service B&M $10,963
    Peoples Bank 135 North Howard Street Sabina, OH 45169 Full Service B&M $33,467
    Peoples Bank 138 Putnam Street Marietta, OH 45750 Full Service Cyber Office $502
    Peoples Bank 138 Putnam Street Marietta, OH 45750 Full Service B&M $482,464
    Peoples Bank 1400 East Second Street Franklin, OH 45005 Full Service B&M $25,704
    Peoples Bank 141 West Main Street New Vienna, OH 45159 Full Service B&M $14,512
    Peoples Bank 158 East Cuyahoga Falls Avenue Akron, OH 44310 Full Service B&M $31,073
    Peoples Bank 1627 Ashland Road Greenup, KY 41144 Full Service B&M $21,662
    Peoples Bank 1871 State Road Cuyahoga Falls, OH 44221 Full Service B&M $19,812
    Peoples Bank 1902 Washington Boulevard Belpre, OH 45714 Full Service B&M $98,290
    Peoples Bank 1999 Winchester Avenue Ashland, KY 41101 Full Service B&M $23,560
    Peoples Bank 20 Sandhill Road Reno, OH 45773 Full Service B&M $29,196
    Peoples Bank 200 Main Street Coshocton, OH 43812 Full Service B&M $113,920
    Peoples Bank 201 East Main Street Batavia, OH 45103 Full Service B&M $49,236
    Peoples Bank 207 Main Street New Martinsville, WV 26155 Full Service B&M $71,976
    Peoples Bank 221 S 2nd Street Byesville, OH 43723 Full Service B&M $30,977
    Peoples Bank 2211 West Fair Avenue Lancaster, OH 43130 Full Service B&M $27,365
    Peoples Bank 244 West Main Street Williamsburg, OH 45176 Full Service B&M $23,616
    Peoples Bank 24400 Chagrin Boulevard, Suite 100 Beachwood, OH 44122 Full Service B&M $115,658
    Peoples Bank 2900 Pike Street Parkersburg, WV 26101 Full Service Retail $10,725
    Peoples Bank 2904 Pike Street Parkersburg, WV 26101 Full Service B&M $17,441
    Peoples Bank 3108 Maple Avenue Zanesville, OH 43701 Full Service B&M $22,584
    Peoples Bank 332 Second Street Marietta, OH 45750 Full Service B&M $15,434
    Peoples Bank 3340 Greenwich Road Norton, OH 44203 Full Service B&M $14,729
    Peoples Bank 3411 Emerson Avenue Parkersburg, WV 26104 Full Service B&M $23,341
    Peoples Bank 347 East James Hannah Drive South Shore, KY 41175 Full Service B&M $10,013
    Peoples Bank 349 Third Avenue Gallipolis, OH 45631 Full Service B&M $27,008
    Peoples Bank 415 Main Street Caldwell, OH 43724 Full Service B&M $100,012
    Peoples Bank 421 Main Street Point Pleasant, WV 25550 Full Service B&M $82,809
    Peoples Bank 43 South Main Street Munroe Falls, OH 44262 Full Service B&M $22,108
    Peoples Bank 452 West Main Street Mount Orab, OH 45154 Full Service B&M $64,097
    Peoples Bank 48 North South Street Wilmington, OH 45177 Full Service B&M $92,688
    Peoples Bank 503 Chillicothe Street Portsmouth, OH 45662 Full Service B&M $103,832
    Peoples Bank 505 East Main Street Lancaster, OH 43130 Full Service B&M $23,869
    Peoples Bank 556 Wheeling Avenue Cambridge, OH 43725 Full Service B&M $33,385
    Peoples Bank 590 East Main Street Jackson, OH 45640 Full Service B&M $12,933
    Peoples Bank 6210 Snider Road Mason, OH 45040 Full Service B&M $10,558
    Peoples Bank 6284 Rivers Bend Drive Maineville, OH 45039 Full Service B&M $8,598
    Peoples Bank 655 West Central Avenue Carlisle, OH 45005 Full Service B&M $41,028
    Peoples Bank 6601 U.S. Route 60 Ashland, KY 41102 Full Service B&M $14,380
    Peoples Bank 68 South Kennebec Avenue Mcconnelsville, OH 43756 Full Service B&M $26,958
    Peoples Bank 701 Grand Central Avenue Vienna, WV 26105 Full Service Retail $11,680
    Peoples Bank 7110 Bachman Road Sardinia, OH 45171 Full Service Retail $19,238
    Peoples Bank 7114 Miami Avenue Madeira, OH 45243 Full Service B&M $6,179
    Peoples Bank 726 Wells Street Sistersville, WV 26175 Full Service B&M $18,729
    Peoples Bank 735 Lila Avenue Milford, OH 45150 Full Service B&M $26,870
    Peoples Bank 7920 Ohio River Rd Wheelersburg, OH 45694 Full Service B&M $25,635
    Peoples Bank 801 East State Street Athens, OH 45701 Full Service B&M $22,003
    Peoples Bank 826 Franklin Road Waynesville, OH 45068 Full Service B&M $18,225
    Peoples Bank 845 Wheeling Avenue Cambridge, OH 43725 Full Service B&M $154,800
    Peoples Bank 885 South Main Street Georgetown, OH 45121 Full Service B&M $64,754
    Peoples Bank 900 Diederich Boulevard Russell, KY 41169 Full Service B&M $23,782
    Peoples Bank 903 Division Street Parkersburg, WV 26101 Full Service B&M $29,308
    Peoples Bank 910 Columbus Avenue Lebanon, OH 45036 Full Service Retail $20,974
    Peoples Bank 95 Edgebrook Drive Springboro, OH 45066 Full Service B&M $24,322
    Peoples Bank 951 Canal Street Nelsonville, OH 45764 Full Service B&M $31,279
    Peoples Bank 9813 Montgomery Road Montgomery, OH 45242 Full Service B&M $11,427

    For 2018, Peoples Bank had 73 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $151,162
    Net interest income $130,006
    Total noninterest income $58,273
    Gross Fiduciary activities income $8,542
    Service charges on deposit accounts $9,392
    Trading account gains and fees $681
    Additional Noninterest Income $39,658
    Pre-tax net operating income $61,501
    Securities gains (or losses, -) $-163
    Income before extraordinary items $50,120
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $50,120
    Minority interest net income $0
    Net income $50,120
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $50,253

    Peoples Bank's gross interest income from loans was $151,162,000.
    Peoples Bank's net interest income from loans was $130,006,000.
    Peoples Bank's fee based income from loans was $9,392,000.
    Peoples Bank's net income from loans was $50,120,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $21,156
    Provision for credit losses $5,448
    Total noninterest expense $121,330
    Salaries and employee benefits $66,782
    Premises and equipment expense $11,263
    Additional noninterest expense $43,285
    Applicable income taxes $11,218
    Net charge-offs $4,046
    Cash dividends $13,500

    Peoples Bank's interest expense for loans was $21,156,000.
    Peoples Bank's payroll and benefits expense were $66,782,000.
    Peoples Bank's property, plant and equipment expenses $11,263,000.

    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 0.0%
    Multifamily residential loans 1.0%
    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 0.0%
    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 $2,971,253
    Deposits held in domestic offices $2,971,253
    Deposits by Individuals, partnerships, and corporations $2,534,866
    Deposits by U.S. Government $6,645
    Deposits by States and political subdivisions in the U.S. $410,286
    Deposits by Commercial banks and other depository institutions in U.S. $19,456
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $286,039
    Demand deposits $101,011
    Nontransaction accounts $2,685,214
    Money market deposit accounts (MMDAs) $1,557,350
    Other savings deposits (excluding MMDAs) $468,458
    Total time deposits $659,407
    Total time and savings deposits $2,870,242
    Noninterest-bearing deposits $607,930
    Interest-bearing deposits $2,363,323
    Retail deposits $2,626,913
    IRAs and Keogh plan accounts $81,199
    Brokered deposits $263,854
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $3,986,345
    Cash & Balances due from depository institutions $77,611
    Interest-bearing balances $15,837
    Total securities $829,095
    Federal funds sold & reverse repurchase $0
    Net loans and leases $2,714,053
    Loan and leases loss allowance $20,195
    Trading account assets $4,545
    Bank premises and fixed assets $56,505
    Other real estate owned $94
    Goodwill and other intangibles $161,948
    All other assets $142,494

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $3,986,345
    Total Liabilities $3,480,145
    Total deposits $2,971,253
    Interest-bearing deposits $2,363,323
    Deposits held in domestic offices $2,971,253
    % insured (estimated) $77
    Federal funds purchased and repurchase agreements $51,787
    Trading liabilities $3,562
    Other borrowed funds $407,362
    Subordinated debt $0
    All other liabilities $46,181

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $2,714,053
    Loan and leases loss allowance $20,195
    Total loans and leases (domestic) $2,734,248
    All real estate loans $1,684,518
    Real estate loans in domestic offices $1,684,518
    Construction and development loans $135,603
    Residential 1-4 family construction $14,366
    Other construction, all land development and other land $121,237
    Loans secured by nonfarm nonresidential properties $659,815
    Nonfarm nonresidential secured by owner-occupied properties $318,297
    Commercial real estate & other non-farm, non-residential $341,518
    Multifamily residential real estate $97,592
    1-4 family residential loans $761,246
    Farmland loans $30,262
    Loans held in foreign offices $0
    Farm loans $22,453
    Commercial and industrial loans $524,038
    To non-U.S. addressees $0
    Loans to individuals $480,670
    Credit card loans $0
    Related Plans $479
    Consumer Auto Loans $364,226
    Other loans to individuals $115,965
    All other loans & leases $22,569
    Loans to foreign governments and official institutions $0
    Other loans $583
    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 $6,241
    Non 1-4 family restructured loans & leases $1,121
    Total loans and leases (foreign) $0

    Peoples Bank had $2,714,053,000 of loans outstanding in 2018. $1,684,518,000 of loans were in real estate loans. $135,603,000 of loans were in development loans. $97,592,000 of loans were in multifamily mortgage loans. $761,246,000 of loans were in 1-4 family mortgage loans. $22,453,000 of loans were in farm loans. $0 of loans were in credit card loans. $364,226,000 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 1,576 $253,775 $161,025
    Nonfarm, nonresidential loans - <$100k 594 $20,330 $34,226
    Nonfarm, nonresidential loans - $100-250k 464 $47,639 $102,670
    Nonfarm, nonresidential loans - $250k-1MM 518 $185,806 $358,699
    Commercial & Industrial, US addressed loans - <$1MM 3,053 $189,495 $62,068
    Commercial & Industrial, US addressed loans - <$100k 2,348 $46,521 $19,813
    Commercial & Industrial, US addressed loans - $100-250k 319 $29,029 $91,000
    Commercial & Industrial, US addressed loans - $250k-1MM 386 $113,945 $295,194
    Farmland loans - <$1MM 91 $16,586 $182,264
    Farmland loans - <$100k 23 $867 $37,696
    Farmland loans - $100-250k 35 $4,100 $117,143
    Farmland loans - $250k-1MM 33 $11,619 $352,091
    Agriculture operations loans - <$1MM 141 $16,673 $118,248
    Agriculture operations loans - <$100k 82 $2,841 $34,646
    Agriculture operations loans - $100-250k 36 $4,160 $115,556
    Agriculture operations loans - $250k-1MM 23 $9,672 $420,522