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 and Cash Out 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, Dayton, and Columbus 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% 4/18/24
    30 Year Conventional Purchase 7.07% 4/18/24
    30 Year Conventional Refi 6.67% 4/18/24
    30 Year Cash-out Refi 6.95% 4/18/24
    30 Year FHA Purchase 7.33% 4/18/24
    30 Year FHA Refi 6.27% 4/18/24
    30 Year VA Purchase 6.27% 4/18/24
    30 Year USDA Purchase 7.07% 4/18/24
    15 Year Conventional Purchase 6.39% 4/18/24
    15 Year Conventional Refi 6.83% 4/18/24
    15 Year Cash-out Refi 6.83% 4/18/24
    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

    2,130

    Origination Dollar Volume (All Markets)

    $266,200,000

    Employee count

    895 Show all (21) 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) 434 $75,380,000 $173,687 $3,394 4.39%
    Outside of Metro Areas 300 $29,700,000 $99,000 $2,553 4.53%
    Marietta, OH (FHA|USDA|VA) 260 $24,840,000 $95,538 $2,643 4.50%
    PARKERSBURG-VIENNA, WV (FHA|USDA|VA) 186 $18,200,000 $97,849 $2,843 4.52%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 76 $16,980,000 $223,421 $3,898 4.27%
    COLUMBUS, OH (FHA|USDA|VA) 77 $14,305,000 $185,779 $2,602 4.59%
    Cambridge, OH (FHA|USDA|VA) 128 $12,120,000 $94,688 $2,536 4.55%
    Portsmouth, OH (FHA|USDA|VA) 101 $9,795,000 $96,980 $2,366 4.74%
    HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 82 $8,460,000 $103,171 $2,415 4.54%
    AKRON, OH (FHA|USDA|VA) 76 $7,740,000 $101,842 $2,504 4.34%
    LOUISVILLE, KY (FHA|USDA|VA) 24 $6,070,000 $252,917 $4,934 3.74%
    Coshocton, OH (FHA|USDA|VA) 63 $5,125,000 $81,349 $2,545 4.62%
    Point Pleasant, WV-OH (FHA|USDA|VA) 47 $4,085,000 $86,915 $2,751 4.20%
    Athens, OH (FHA|USDA|VA) 44 $3,730,000 $84,773 $2,562 4.48%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 20 $3,350,000 $167,500 $3,370 4.51%
    Zanesville, OH (FHA|USDA|VA) 39 $3,255,000 $83,462 $2,366 4.60%
    Wilmington, OH (FHA|USDA|VA) 36 $3,240,000 $90,000 $2,743 4.64%
    Jackson, OH (FHA|USDA|VA) 29 $1,885,000 $65,000 $2,284 4.86%
    Mount Vernon, OH (FHA|USDA|VA) 14 $1,500,000 $107,143 $2,443 4.27%
    MORGANTOWN, WV (FHA|USDA|VA) 3 $1,275,000 $425,000 $2,784 5.06%
    Key West, FL (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $0 5.25%
    WHEELING, WV-OH (FHA|USDA|VA) 8 $990,000 $123,750 $2,559 4.34%
    CHARLESTON, WV (FHA|USDA|VA) 11 $985,000 $89,545 $3,101 4.80%
    Chillicothe, OH (FHA|USDA|VA) 10 $880,000 $88,000 $2,631 4.56%
    New Philadelphia-Dover, OH (FHA|USDA|VA) 9 $785,000 $87,222 $2,088 5.01%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 1 $715,000 $715,000 $7,797 4.25%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 3 $605,000 $201,667 $4,224 3.58%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 1 $595,000 $595,000 $3,626 5.38%
    CANTON-MASSILLON, OH (FHA|USDA|VA) 7 $575,000 $82,143 $2,193 4.57%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 2 $550,000 $275,000 $2,331 3.81%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 1 $485,000 $485,000 $5,029 3.50%
    Sevierville, TN (FHA|USDA|VA) 3 $465,000 $155,000 $3,237 4.17%
    Clarksburg, WV (FHA|USDA|VA) 2 $420,000 $210,000 $3,455 4.13%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 1 $395,000 $395,000 $4,144 4.13%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $395,000 $395,000 $4,745 5.25%
    LIMA, OH (FHA|USDA|VA) 1 $375,000 $375,000 $3,436 3.13%
    Wooster, OH (FHA|USDA|VA) 3 $365,000 $121,667 $0 4.37%
    Ashtabula, OH (FHA|USDA|VA) 1 $345,000 $345,000 $3,996 4.25%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $335,000 $335,000 $3,143 3.75%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 2 $330,000 $165,000 $3,868 3.44%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $325,000 $325,000 $3,622 3.50%
    BECKLEY, WV (FHA|USDA|VA) 2 $290,000 $145,000 $2,156 3.75%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 1 $285,000 $285,000 $3,257 3.63%
    SPRINGFIELD, OH (FHA|USDA|VA) 1 $285,000 $285,000 $0 7.25%
    YORK-HANOVER, PA (FHA|USDA|VA) 1 $285,000 $285,000 $4,300 3.38%
    Roanoke Rapids, NC (FHA|USDA|VA) 1 $265,000 $265,000 $3,071 4.63%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 1 $235,000 $235,000 $3,442 3.88%
    YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 2 $230,000 $115,000 $2,423 3.75%
    LYNCHBURG, VA (FHA|USDA|VA) 1 $225,000 $225,000 $3,085 3.50%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $205,000 $205,000 $3,372 4.00%
    Elkins, WV (FHA|USDA|VA) 1 $195,000 $195,000 $3,213 2.88%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 2 $150,000 $75,000 $2,634 5.19%
    DOTHAN, AL (FHA|USDA|VA) 1 $145,000 $145,000 $2,618 4.25%
    READING, PA (FHA|USDA|VA) 1 $135,000 $135,000 $3,439 4.13%
    ROCKFORD, IL (FHA|USDA|VA) 1 $125,000 $125,000 $2,986 3.75%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $75,000 $75,000 $3,190 4.38%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 1 $55,000 $55,000 $2,448 4.38%
    PITTSBURGH, PA (FHA|USDA|VA) 1 $35,000 $35,000 $2,638 3.88%
    Washington Court House, OH (FHA|USDA|VA) 1 $25,000 $25,000 $0 4.25%
    Peoples Bank's top markets include Cincinnati, Marietta, Parkersburg, Dayton, and Columbus among others.

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

    Huntington Federal Savings Bank
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    Similarity Rank: 162
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    Similarity Rank: 210
    KH NETWORK CREDIT UNION
    Similarity Rank: 304
    DESCO
    Similarity Rank: 308
    City National Bank of West Virginia
    Similarity Rank: 351
    Advanz Federal Credit Union
    Similarity Rank: 360

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,357 $204,675,000 $150,829 $2,653 4.21%
    HELOC 659 $39,365,000 $59,734 n/a 5.13%
    FHA 52 $10,020,000 $192,692 $6,486 3.92%
    VA 36 $9,370,000 $260,278 $5,893 3.85%
    USDA 26 $2,770,000 $106,538 $4,030 4.16%

    For 2019, Peoples Bank's most frequently originated type of loan was Conventional, with 1,357 originations. Their 2nd most popular type was HELOC, with 659 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 898 $151,060,000 $168,218 $3,272 4.24%
    Cash Out Refi 498 $55,600,000 $111,647 $2,544 4.57%
    Home Improvement 339 $15,275,000 $45,059 $1,344 5.02%
    Refi 217 $34,625,000 $159,562 $2,715 3.90%
    Other 178 $9,640,000 $54,157 $1,310 5.15%

    For 2019, Peoples Bank's most frequently cited loan purpose was Home Purchase, with 898 originations. The 2nd most popular reason was Cash Out Refi, with 498 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 897 $155,735,000 $173,618 $3,273 4.14%
    10 Year 751 $46,745,000 $62,244 $1,689 5.07%
    15 Year 293 $33,475,000 $114,249 $2,310 4.02%
    20 Year 156 $17,980,000 $115,256 $2,465 4.47%
    Other 15 $9,465,000 $631,000 $2,838 4.33%
    5 Year 10 $940,000 $94,000 $610 5.33%
    30+ year 8 $1,860,000 $232,500 $4,320 4.55%

    For 2019, Peoples Bank's most frequently cited loan duration was 30 Year, with 897 originations. The 2nd most popular length was 10 Year, with 751 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 995 $134,165,000 $134,839
    $1k-2k 439 $77,845,000 $177,323
    $2k-3k 9 $1,845,000 $205,000
    $5k+ 4 $1,330,000 $332,500
    $3k-4k 1 $215,000 $215,000
    $4k-5k 1 $335,000 $335,000

    Peoples Bank's average total fees were $3,273, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 995 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 888 $103,890,000 $116,993
    3-4% 715 $116,945,000 $163,559
    5-6% 316 $27,060,000 $85,633
    6-7% 94 $4,950,000 $52,660
    2.5-3% 54 $8,870,000 $164,259
    7-8% 43 $3,415,000 $79,419
    Over 8% 11 $485,000 $44,091
    <2.5% 9 $585,000 $65,000

    During 2019, Peoples Bank's average interest rate for loans was 4.14%, while their most frequently originated rate bucket for loans was 4-5%, with 888 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 1,109 $56,105,000 $50,591 $2,120 4.79%
    $100k-200k 619 $86,265,000 $139,362 $3,017 4.22%
    $200k-400k 358 $95,770,000 $267,514 $3,771 4.00%
    $400k-600k 34 $15,770,000 $463,824 $4,558 4.11%
    $600k-1MM 8 $5,850,000 $731,250 $4,981 4.75%
    $1MM+ 2 $6,440,000 $3,220,000 $0 4.84%

    2019 saw Peoples Bank place emphasis on $100,000 or less loans with 1,109 originations, totaling $56,105,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 588 $44,870,000 $76,310 $2,559 4.50%
    $50k-75k 521 $52,465,000 $100,701 $3,006 4.44%
    $100k-150k 373 $55,355,000 $148,405 $2,870 4.50%
    $75k-100k 338 $42,690,000 $126,302 $3,049 4.47%
    $150k-250k 162 $35,820,000 $221,111 $3,464 4.49%
    $250k+ 67 $16,555,000 $247,090 $2,985 4.65%

    Peoples Bank lent most frequently to those with incomes in the $50k or less range, with 588 originations. The second most popular income band? $50k-75k, with 521 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 623 $71,735,000 $115,144 $2,751 4.52%
    30-36% 446 $53,660,000 $120,314 $2,940 4.51%
    <20% 268 $27,850,000 $103,918 $2,754 4.45%
    42% 101 $10,605,000 $105,000 $2,617 4.37%
    39% 87 $10,645,000 $122,356 $2,988 4.50%
    37% 86 $11,440,000 $133,023 $2,766 4.53%
    38% 83 $9,245,000 $111,386 $2,888 4.52%
    41% 83 $10,635,000 $128,133 $3,016 4.50%
    36% 76 $9,640,000 $126,842 $2,690 4.79%
    40% 71 $7,285,000 $102,606 $2,567 4.48%
    43% 39 $5,575,000 $142,949 $3,150 4.09%
    44% 32 $5,530,000 $172,813 $3,082 4.18%
    45% 24 $3,850,000 $160,417 $3,532 4.17%
    48% 22 $3,620,000 $164,545 $3,852 4.25%
    46% 21 $4,075,000 $194,048 $3,978 3.99%
    47% 19 $3,835,000 $201,842 $3,334 4.10%
    49% 18 $2,950,000 $163,889 $3,797 4.18%
    50-60% 8 $1,360,000 $170,000 $3,915 4.38%
    >60% 6 $2,100,000 $350,000 $3,363 4.02%

    Peoples Bank lent most frequently to those with DTI ratios of 20-30%, with 623 originations. The next most common DTI ratio? 30-36%, with 446 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,013 $237,145,000 $117,807 $2,846 4.49%
    Not applicable 15 $10,345,000 $689,667 $0 5.24%
    Black 40 $6,870,000 $171,750 $4,078 4.28%
    Asian 29 $6,515,000 $224,655 $3,637 3.84%
    Not provided 26 $4,460,000 $171,538 $3,346 4.44%
    Asian Indian 1 $235,000 $235,000 $4,080 4.50%
    Other Asian 1 $225,000 $225,000 $3,147 3.88%
    American Indian 4 $210,000 $52,500 $2,499 4.28%
    Filipino 1 $195,000 $195,000 $3,237 3.25%

    Approval Rates

    Total approvals of all applications
    86.61%

    Peoples Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    82.02%

    Peoples Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,130 $266,200,000 $124,977

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 9 $8,595,000 $955,000
    Single Family (1-4 Units):Manufactured 116 $7,440,000 $64,138
    Single Family (1-4 Units):Site-Built 2,005 $250,165,000 $124,771

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 342 $20,300,000 $59,357 $1,631 4.92%
    40-60% 252 $29,720,000 $117,937 $2,787 4.40%
    60-80% 533 $89,325,000 $167,589 $2,991 4.21%
    80-100% 680 $115,450,000 $169,779 $3,245 4.18%
    Over 100% 8 $2,150,000 $268,750 $10,558 4.31%
    Under 20% 315 $9,255,000 $29,381 $593 5.18%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION Conventional home mortgage Struggling to pay mortgage 3 21.4%
    PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION Conventional home mortgage Trouble during payment process 4 28.6%
    PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 1 7.1%
    PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION Home equity loan or line of credit (HELOC) Closing on a mortgage 1 7.1%
    PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION Home equity loan or line of credit (HELOC) Struggling to pay mortgage 2 14.3%
    PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION Home equity loan or line of credit (HELOC) Trouble during payment process 1 7.1%
    PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION Other type of mortgage Trouble during payment process 2 14.3%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Peoples Bank 87 Main Street Inez, KY 41224 Full Service B&M $15,819
    Peoples Bank 1344 Rombach Avenue Wilmington, OH 45177 Full Service B&M $35,559
    Peoples Bank 1345 Yauger Road Mount Vernon, OH 43050 Full Service B&M $10,172
    Peoples Bank 135 North Howard Street Sabina, OH 45169 Full Service B&M $33,629
    Peoples Bank 138 Putnam Street Marietta, OH 45750 Limited, Drive-thru $0
    Peoples Bank 138 Putnam Street Marietta, OH 45750 Full Service Cyber Office $415
    Peoples Bank 112 Lynn Street Pomeroy, OH 45769 Limited, Drive-thru $0
    Peoples Bank 115 Court Street Pomeroy, OH 45769 Full Service B&M $62,897
    Peoples Bank 138 Putnam Street Marietta, OH 45750 Full Service B&M $655,792
    Peoples Bank 1400 East Second Street Franklin, OH 45005 Full Service B&M $24,977
    Peoples Bank 141 West Main Street New Vienna, OH 45159 Full Service B&M $15,588
    Peoples Bank 158 East Cuyahoga Falls Avenue Akron, OH 44310 Full Service B&M $29,484
    Peoples Bank 262 Cassidy Boulevard Pikeville, KY 41501 Full Service B&M $5,880
    Peoples Bank 118 N Market St Waverly, OH 45690 Full Service B&M $9,858
    Peoples Bank 1 North Court Street Athens, OH 45701 Full Service B&M $34,187
    Peoples Bank 101 5th Avenue Huntington, WV 25701 Full Service B&M $46,643
    Peoples Bank 101 Canewood Center Drive Georgetown, KY 40324 Full Service B&M $399
    Peoples Bank 101 East A Street Wellston, OH 45692 Full Service B&M $50,711
    Peoples Bank 101 Harry Sauner Road Hillsboro, OH 45133 Full Service B&M $17,093
    Peoples Bank 1066 Hebron Road Heath, OH 43056 Full Service B&M $5,598
    Peoples Bank 1102 Grand Central Avenue Vienna, WV 26105 Full Service B&M $36,815
    Peoples Bank 11155 Us Highway 23 South Betsy Layne, KY 41605 Full Service B&M $13,654
    Peoples Bank 1180 North 21st Street Newark, OH 43055 Full Service B&M $10,240
    Peoples Bank 120 North Main Street Baltimore, OH 43105 Full Service B&M $30,910
    Peoples Bank 124 Gross Street Marietta, OH 45750 Full Service B&M $46,809
    Peoples Bank 125 West Main Street Blanchester, OH 45107 Full Service B&M $30,103
    Peoples Bank 1627 Ashland Road Greenup, KY 41144 Full Service B&M $22,244
    Peoples Bank 1871 State Road Cuyahoga Falls, OH 44221 Full Service B&M $19,293
    Peoples Bank 1902 Washington Boulevard Belpre, OH 45714 Full Service B&M $98,021
    Peoples Bank 1999 Winchester Avenue Ashland, KY 41101 Full Service B&M $28,145
    Peoples Bank 20 Sandhill Road Reno, OH 45773 Full Service B&M $32,015
    Peoples Bank 200 Main Street Coshocton, OH 43812 Full Service B&M $105,915
    Peoples Bank 201 East Main Street Batavia, OH 45103 Full Service B&M $53,343
    Peoples Bank 207 Main Street New Martinsville, WV 26155 Full Service B&M $89,831
    Peoples Bank 221 S 2nd Street Byesville, OH 43723 Full Service B&M $32,408
    Peoples Bank 2211 West Fair Avenue Lancaster, OH 43130 Full Service B&M $26,909
    Peoples Bank 230 East Mountain Parkway Salyersville, KY 41465 Full Service B&M $19,739
    Peoples Bank 244 West Main Street Williamsburg, OH 45176 Full Service B&M $22,603
    Peoples Bank 24400 Chagrin Boulevard, Suite 100 Beachwood, OH 44122 Full Service B&M $104,320
    Peoples Bank 2900 Pike Street Parkersburg, WV 26101 Full Service Retail $10,254
    Peoples Bank 2904 Pike Street Parkersburg, WV 26101 Full Service B&M $15,545
    Peoples Bank 300 Main Street Lowell, OH 45744 Full Service B&M $34,294
    Peoples Bank 3108 Maple Avenue Zanesville, OH 43701 Full Service B&M $22,686
    Peoples Bank 311 North Arnold Avenue Prestonsburg, KY 41653 Full Service B&M $90,042
    Peoples Bank 332 Second Street Marietta, OH 45750 Full Service B&M $17,068
    Peoples Bank 3340 Greenwich Road Norton, OH 44203 Full Service B&M $15,737
    Peoples Bank 3411 Emerson Avenue Parkersburg, WV 26104 Full Service B&M $25,529
    Peoples Bank 347 East James Hannah Drive South Shore, KY 41175 Full Service B&M $10,993
    Peoples Bank 349 Third Avenue Gallipolis, OH 45631 Full Service B&M $29,839
    Peoples Bank 38 Tirangle Street Martin, KY 41649 Full Service B&M $47,104
    Peoples Bank 415 Main Street Caldwell, OH 43724 Full Service B&M $103,163
    Peoples Bank 421 Main Street Point Pleasant, WV 25550 Full Service B&M $84,507
    Peoples Bank 43 South Main Street Munroe Falls, OH 44262 Full Service B&M $19,994
    Peoples Bank 452 West Main Street Mount Orab, OH 45154 Full Service B&M $64,937
    Peoples Bank 48 North South Street Wilmington, OH 45177 Full Service B&M $84,694
    Peoples Bank 503 Chillicothe Street Portsmouth, OH 45662 Full Service B&M $91,461
    Peoples Bank 505 East Main Street Lancaster, OH 43130 Full Service B&M $27,868
    Peoples Bank 556 Wheeling Avenue Cambridge, OH 43725 Full Service B&M $34,965
    Peoples Bank 590 East Main Street Jackson, OH 45640 Full Service B&M $12,419
    Peoples Bank 601 N Mayo Trail Paintsville, KY 41240 Full Service B&M $31,265
    Peoples Bank 6210 Snider Road Mason, OH 45040 Full Service B&M $16,251
    Peoples Bank 6284 Rivers Bend Drive Maineville, OH 45039 Full Service B&M $9,272
    Peoples Bank 655 West Central Avenue Carlisle, OH 45005 Full Service B&M $45,298
    Peoples Bank 6601 U.S. Route 60 Ashland, KY 41102 Full Service B&M $16,532
    Peoples Bank 68 South Kennebec Avenue Mcconnelsville, OH 43756 Full Service B&M $32,433
    Peoples Bank 7110 Bachman Road Sardinia, OH 45171 Full Service Retail $18,286
    Peoples Bank 7114 Miami Avenue Madeira, OH 45243 Full Service B&M $6,396
    Peoples Bank 726 Wells Street Sistersville, WV 26175 Full Service B&M $18,683
    Peoples Bank 735 Lila Avenue Milford, OH 45150 Full Service B&M $26,664
    Peoples Bank 7920 Ohio River Rd Wheelersburg, OH 45694 Full Service B&M $25,065
    Peoples Bank 801 East State Street Athens, OH 45701 Full Service B&M $21,920
    Peoples Bank 826 Franklin Road Waynesville, OH 45068 Full Service B&M $16,965
    Peoples Bank 838 North Arnold Avenue Prestonsburg, KY 41653 Full Service B&M $11,431
    Peoples Bank 845 Wheeling Avenue Cambridge, OH 43725 Full Service B&M $158,218
    Peoples Bank 885 South Main Street Georgetown, OH 45121 Full Service B&M $65,231
    Peoples Bank 900 Diederich Boulevard Russell, KY 41169 Full Service B&M $27,187
    Peoples Bank 903 Division Street Parkersburg, WV 26101 Full Service B&M $28,870
    Peoples Bank 907 Chillicothe Street Portsmouth, OH 45662 Full Service B&M $0
    Peoples Bank 910 Columbus Avenue Lebanon, OH 45036 Full Service Retail $12,153
    Peoples Bank 95 Edgebrook Drive Springboro, OH 45066 Full Service B&M $32,160
    Peoples Bank 951 Canal Street Nelsonville, OH 45764 Full Service B&M $32,180
    Peoples Bank 9813 Montgomery Road Montgomery, OH 45242 Full Service B&M $9,669

    For 2019, Peoples Bank had 82 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $170,048
    Net interest income $141,241
    Total noninterest income $64,921
    Gross Fiduciary activities income $8,961
    Service charges on deposit accounts $10,998
    Trading account gains and fees $2,228
    Additional Noninterest Income $42,734
    Pre-tax net operating income $71,236
    Securities gains (or losses, -) $973
    Income before extraordinary items $58,859
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $58,859
    Minority interest net income $0
    Net income $58,859
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $58,061

    Peoples Bank's gross interest income from loans was $170,048,000.
    Peoples Bank's net interest income from loans was $141,241,000.
    Peoples Bank's fee based income from loans was $10,998,000.
    Peoples Bank's net income from loans was $58,859,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $28,807
    Provision for credit losses $2,504
    Total noninterest expense $132,422
    Salaries and employee benefits $74,259
    Premises and equipment expense $12,430
    Additional noninterest expense $45,733
    Applicable income taxes $13,350
    Net charge-offs $1,143
    Cash dividends $37,000

    Peoples Bank's interest expense for loans was $28,807,000.
    Peoples Bank's payroll and benefits expense were $74,259,000.
    Peoples Bank's property, plant and equipment expenses $12,430,000.

    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 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 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 $3,315,719
    Deposits held in domestic offices $3,315,719
    Deposits by Individuals, partnerships, and corporations $2,880,462
    Deposits by U.S. Government $12,183
    Deposits by States and political subdivisions in the U.S. $402,955
    Deposits by Commercial banks and other depository institutions in U.S. $20,119
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $281,838
    Demand deposits $98,774
    Nontransaction accounts $3,033,881
    Money market deposit accounts (MMDAs) $1,811,784
    Other savings deposits (excluding MMDAs) $522,151
    Total time deposits $699,946
    Total time and savings deposits $3,216,945
    Noninterest-bearing deposits $673,977
    Interest-bearing deposits $2,641,742
    Retail deposits $3,007,699
    IRAs and Keogh plan accounts $90,117
    Brokered deposits $207,939
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $4,351,191
    Cash & Balances due from depository institutions $92,454
    Interest-bearing balances $39,195
    Total securities $968,118
    Federal funds sold & reverse repurchase $22,735
    Net loans and leases $2,858,468
    Loan and leases loss allowance $21,556
    Trading account assets $11,419
    Bank premises and fixed assets $69,415
    Other real estate owned $227
    Goodwill and other intangibles $177,366
    All other assets $150,989

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $4,351,191
    Total Liabilities $3,777,762
    Total deposits $3,315,719
    Interest-bearing deposits $2,641,742
    Deposits held in domestic offices $3,315,719
    % insured (estimated) $75
    Federal funds purchased and repurchase agreements $43,108
    Trading liabilities $15,116
    Other borrowed funds $357,495
    Subordinated debt $0
    All other liabilities $46,324

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $2,858,468
    Loan and leases loss allowance $21,556
    Total loans and leases (domestic) $2,880,024
    All real estate loans $1,722,435
    Real estate loans in domestic offices $1,722,435
    Construction and development loans $88,518
    Residential 1-4 family construction $4,276
    Other construction, all land development and other land $84,242
    Loans secured by nonfarm nonresidential properties $744,296
    Nonfarm nonresidential secured by owner-occupied properties $388,079
    Commercial real estate & other non-farm, non-residential $356,217
    Multifamily residential real estate $59,572
    1-4 family residential loans $800,679
    Farmland loans $29,370
    Loans held in foreign offices $0
    Farm loans $18,819
    Commercial and industrial loans $621,109
    To non-U.S. addressees $0
    Loans to individuals $493,718
    Credit card loans $0
    Related Plans $573
    Consumer Auto Loans $369,709
    Other loans to individuals $123,436
    All other loans & leases $23,943
    Loans to foreign governments and official institutions $0
    Other loans $878
    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 $9,458
    Non 1-4 family restructured loans & leases $2,620
    Total loans and leases (foreign) $0

    Peoples Bank had $2,858,468,000 of loans outstanding in 2019. $1,722,435,000 of loans were in real estate loans. $88,518,000 of loans were in development loans. $59,572,000 of loans were in multifamily mortgage loans. $800,679,000 of loans were in 1-4 family mortgage loans. $18,819,000 of loans were in farm loans. $0 of loans were in credit card loans. $369,709,000 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 1,106 $224,140 $202,658
    Nonfarm, nonresidential loans - <$100k 270 $10,067 $37,285
    Nonfarm, nonresidential loans - $100-250k 350 $36,231 $103,517
    Nonfarm, nonresidential loans - $250k-1MM 486 $177,842 $365,930
    Commercial & Industrial, US addressed loans - <$1MM 4,748 $242,307 $51,033
    Commercial & Industrial, US addressed loans - <$100k 3,986 $81,609 $20,474
    Commercial & Industrial, US addressed loans - $100-250k 333 $31,348 $94,138
    Commercial & Industrial, US addressed loans - $250k-1MM 429 $129,350 $301,515
    Farmland loans - <$1MM 140 $23,775 $169,821
    Farmland loans - <$100k 37 $1,324 $35,784
    Farmland loans - $100-250k 46 $5,743 $124,848
    Farmland loans - $250k-1MM 57 $16,708 $293,123
    Agriculture operations loans - <$1MM 118 $14,825 $125,636
    Agriculture operations loans - <$100k 68 $1,969 $28,956
    Agriculture operations loans - $100-250k 28 $3,144 $112,286
    Agriculture operations loans - $250k-1MM 22 $9,712 $441,455