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, Refi, and 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, Parkersburg, Huntington, Marietta, and Columbus among others. We have data for 58 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

    2,373

    Origination Dollar Volume (All Markets)

    $362,525,000

    Employee count

    894 Show all (13) 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) 310 $53,320,000 $172,000 $3,102 3.43%
    PARKERSBURG-VIENNA, WV (FHA|USDA|VA) 278 $45,010,000 $161,906 $3,085 3.37%
    Outside of Metro Areas 376 $40,880,000 $108,723 $2,769 3.46%
    HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 107 $35,505,000 $331,822 $2,701 3.50%
    Marietta, OH (FHA|USDA|VA) 271 $31,625,000 $116,697 $3,076 3.37%
    COLUMBUS, OH (FHA|USDA|VA) 103 $19,625,000 $190,534 $2,782 3.24%
    Cambridge, OH (FHA|USDA|VA) 150 $17,570,000 $117,133 $2,759 3.46%
    Portsmouth, OH (FHA|USDA|VA) 124 $17,230,000 $138,952 $2,815 3.42%
    AKRON, OH (FHA|USDA|VA) 96 $12,670,000 $131,979 $2,715 3.37%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 49 $10,535,000 $215,000 $3,587 3.10%
    Athens, OH (FHA|USDA|VA) 65 $9,255,000 $142,385 $3,041 3.38%
    Point Pleasant, WV-OH (FHA|USDA|VA) 74 $8,320,000 $112,432 $2,959 3.30%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 36 $8,100,000 $225,000 $2,997 3.05%
    Wilmington, OH (FHA|USDA|VA) 52 $6,490,000 $124,808 $2,785 3.49%
    Zanesville, OH (FHA|USDA|VA) 42 $5,490,000 $130,714 $2,929 3.32%
    Jackson, OH (FHA|USDA|VA) 52 $5,440,000 $104,615 $2,642 3.62%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 25 $4,885,000 $195,400 $3,073 3.00%
    CHARLESTON, WV (FHA|USDA|VA) 16 $3,920,000 $245,000 $3,082 3.50%
    Mount Vernon, OH (FHA|USDA|VA) 20 $3,830,000 $191,500 $2,900 3.37%
    Coshocton, OH (FHA|USDA|VA) 43 $3,565,000 $82,907 $2,654 3.64%
    LOUISVILLE, KY (FHA|USDA|VA) 11 $2,815,000 $255,909 $3,847 3.67%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 7 $2,645,000 $377,857 $4,890 3.02%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 2 $1,470,000 $735,000 $6,546 2.50%
    Chillicothe, OH (FHA|USDA|VA) 8 $1,160,000 $145,000 $2,942 2.91%
    New Philadelphia-Dover, OH (FHA|USDA|VA) 7 $985,000 $140,714 $2,639 3.50%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 1 $845,000 $845,000 $5,442 3.00%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 2 $790,000 $395,000 $3,839 2.69%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 2 $720,000 $360,000 $3,497 2.69%
    WHEELING, WV-OH (FHA|USDA|VA) 5 $655,000 $131,000 $2,305 2.88%
    Bellefontaine, OH (FHA|USDA|VA) 1 $515,000 $515,000 $4,483 3.00%
    FLORENCE, SC (FHA|USDA|VA) 1 $505,000 $505,000 $3,927 2.25%
    Clarksburg, WV (FHA|USDA|VA) 2 $500,000 $250,000 $2,878 3.00%
    CANTON-MASSILLON, OH (FHA|USDA|VA) 5 $485,000 $97,000 $3,014 3.78%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 1 $455,000 $455,000 $3,799 3.00%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 1 $375,000 $375,000 $2,387 2.38%
    CHARLOTTESVILLE, VA (FHA|USDA|VA) 1 $355,000 $355,000 $2,708 3.50%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $335,000 $335,000 $3,304 2.38%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $335,000 $335,000 $4,923 3.38%
    COLUMBIA, SC (FHA|USDA|VA) 1 $305,000 $305,000 $3,957 3.25%
    Mount Sterling, KY (FHA|USDA|VA) 3 $275,000 $91,667 $2,845 2.63%
    Wooster, OH (FHA|USDA|VA) 3 $265,000 $88,333 $2,294 3.33%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $255,000 $255,000 $2,979 2.75%
    Angola, IN (FHA|USDA|VA) 1 $235,000 $235,000 $1,857 2.75%
    Sevierville, TN (FHA|USDA|VA) 1 $235,000 $235,000 $3,688 3.88%
    Celina, OH (FHA|USDA|VA) 1 $205,000 $205,000 $2,759 2.50%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 1 $175,000 $175,000 $4,328 2.38%
    MORGANTOWN, WV (FHA|USDA|VA) 1 $175,000 $175,000 $3,286 2.88%
    Frankfort, KY (FHA|USDA|VA) 1 $175,000 $175,000 $2,657 2.88%
    Roanoke Rapids, NC (FHA|USDA|VA) 1 $155,000 $155,000 $2,135 3.00%
    Somerset, KY (FHA|USDA|VA) 1 $135,000 $135,000 $2,704 2.88%
    Richmond-Berea, KY (FHA|USDA|VA) 1 $135,000 $135,000 $2,648 2.75%
    London, KY (FHA|USDA|VA) 1 $115,000 $115,000 $2,683 3.25%
    Rockingham, NC (FHA|USDA|VA) 1 $95,000 $95,000 $3,367 3.38%
    MANSFIELD, OH (FHA|USDA|VA) 2 $90,000 $45,000 $0 3.25%
    Washington Court House, OH (FHA|USDA|VA) 1 $85,000 $85,000 $2,701 3.50%
    SPRINGFIELD, OH (FHA|USDA|VA) 1 $85,000 $85,000 $2,697 2.50%
    GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $65,000 $65,000 $2,736 3.50%
    Fremont, OH (FHA|USDA|VA) 1 $55,000 $55,000 $3,302 3.63%
    Peoples Bank's top markets include Cincinnati, Parkersburg, Huntington, Marietta, and Columbus among others.

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

    Liberty Bank
    Similarity Rank: 68
    Commodore Bank
    Similarity Rank: 153
    Day Air Credit Union, Inc
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    The North Side Bank & Trust Company
    Similarity Rank: 350
    Ohio Catholic Federal Credit Union
    Similarity Rank: 392
    Mechanics Bank
    Similarity Rank: 396
    Greenville Federal
    Similarity Rank: 405
    First Federal Savings and Loan Association
    Similarity Rank: 620
    The Ohio Valley Bank Company
    Similarity Rank: 640
    CINFED Federal Credit Union
    Similarity Rank: 651

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,650 $311,570,000 $188,830 $2,893 3.24%
    HELOC 672 $42,950,000 $63,914 n/a 3.77%
    USDA 27 $3,285,000 $121,667 $4,486 3.45%
    VA 13 $2,795,000 $215,000 $4,413 3.07%
    FHA 11 $1,925,000 $175,000 $6,346 3.43%

    For 2020, Peoples Bank's most frequently originated type of loan was Conventional, with 1,650 originations. Their 2nd most popular type was HELOC, with 672 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Cash Out Refi 641 $86,725,000 $135,296 $2,969 3.40%
    Refi 637 $148,925,000 $233,791 $2,887 2.96%
    Home Purchase 625 $100,445,000 $160,712 $3,085 3.44%
    Home Improvement 313 $15,405,000 $49,217 $2,147 3.81%
    Other 157 $11,025,000 $70,223 $1,840 4.03%

    For 2020, Peoples Bank's most frequently cited loan purpose was Cash Out Refi, with 641 originations. The 2nd most popular reason was Refi, with 637 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 955 $175,765,000 $184,047 $3,091 3.31%
    10 Year 791 $63,095,000 $79,766 $2,464 3.71%
    15 Year 377 $58,435,000 $155,000 $2,804 2.92%
    20 Year 211 $34,035,000 $161,303 $2,845 3.31%
    Other 25 $29,405,000 $1,176,200 $2,958 3.15%
    5 Year 13 $1,555,000 $119,615 $437 4.71%
    30+ year 1 $235,000 $235,000 $0 4.00%

    For 2020, Peoples Bank's most frequently cited loan duration was 30 Year, with 955 originations. The 2nd most popular length was 10 Year, with 791 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 1,455 $258,995,000 $178,003
    $<1k 169 $14,315,000 $84,704
    $2k-3k 19 $4,955,000 $260,789
    $3k-4k 6 $1,520,000 $253,333
    $5k+ 3 $1,505,000 $501,667
    $4k-5k 2 $590,000 $295,000

    Peoples Bank's average total fees were $3,091, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,455 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 997 $134,585,000 $134,990
    2.5-3% 760 $129,190,000 $169,987
    4-5% 300 $28,980,000 $96,600
    <2.5% 198 $62,060,000 $313,434
    5-6% 70 $5,020,000 $71,714
    6-7% 44 $2,390,000 $54,318
    7-8% 3 $95,000 $31,667

    During 2020, Peoples Bank's average interest rate for loans was 3.31%, while their most frequently originated rate bucket for loans was 3-4%, with 997 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 1,020 $55,720,000 $54,627 $2,454 3.67%
    $100k-200k 828 $117,650,000 $142,089 $2,967 3.24%
    $200k-400k 439 $117,485,000 $267,620 $3,286 3.09%
    $400k-600k 64 $30,120,000 $470,625 $3,876 2.99%
    $600k-1MM 17 $12,695,000 $746,765 $5,234 3.12%
    $1MM+ 5 $28,855,000 $5,771,000 $6,971 3.26%

    2020 saw Peoples Bank place emphasis on $100,000 or less loans with 1,020 originations, totaling $55,720,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 522 $39,000,000 $74,713 $2,530 3.52%
    $50k-75k 499 $56,385,000 $112,996 $2,960 3.43%
    $100k-150k 434 $68,300,000 $157,373 $3,058 3.30%
    $75k-100k 423 $54,665,000 $129,232 $3,005 3.37%
    $150k-250k 260 $61,670,000 $237,192 $3,252 3.21%
    $250k+ 92 $31,550,000 $342,935 $3,537 3.17%

    Peoples Bank lent most frequently to those with incomes in the $50k or less range, with 522 originations. The second most popular income band? $50k-75k, with 499 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 687 $102,585,000 $149,323 $3,018 3.26%
    30-36% 519 $67,255,000 $129,586 $2,940 3.48%
    <20% 393 $55,565,000 $141,387 $2,857 3.23%
    38% 94 $12,540,000 $133,404 $2,889 3.51%
    42% 93 $10,375,000 $111,559 $2,841 3.58%
    37% 84 $11,040,000 $131,429 $3,000 3.48%
    36% 75 $9,555,000 $127,400 $2,884 3.62%
    41% 71 $8,955,000 $126,127 $2,857 3.46%
    40% 65 $8,395,000 $129,154 $2,852 3.52%
    39% 64 $6,810,000 $106,406 $2,701 3.78%
    44% 42 $7,870,000 $187,381 $2,999 3.15%
    43% 33 $4,805,000 $145,606 $3,090 3.26%
    48% 23 $3,675,000 $159,783 $3,101 3.44%
    45% 21 $3,845,000 $183,095 $3,008 3.11%
    47% 17 $3,175,000 $186,765 $3,370 3.13%
    46% 17 $2,855,000 $167,941 $2,970 3.40%
    49% 17 $2,895,000 $170,294 $3,152 3.21%
    50-60% 10 $2,470,000 $247,000 $4,277 3.66%
    >60% 1 $115,000 $115,000 $2,380 3.75%

    Peoples Bank lent most frequently to those with DTI ratios of 20-30%, with 687 originations. The next most common DTI ratio? 30-36%, with 519 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,216 $308,700,000 $139,305 $2,946 3.37%
    Not applicable 41 $36,625,000 $893,293 $0 4.13%
    Not provided 58 $6,420,000 $110,690 $3,031 3.50%
    Black 30 $5,400,000 $180,000 $3,196 3.57%
    Asian 23 $4,435,000 $192,826 $3,231 3.39%
    Native Hawaiian or Islander 2 $570,000 $285,000 $3,269 2.75%
    American Indian 2 $230,000 $115,000 $3,310 3.56%
    Other Asian 1 $145,000 $145,000 $2,394 2.38%

    Approval Rates

    Total approvals of all applications
    81.50%

    Peoples Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    75.90%

    Peoples Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    0.0 59 $4,585,000 $77,712
    NA 2,314 $357,940,000 $154,685

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 18 $33,520,000 $1,862,222
    Single Family (1-4 Units):Manufactured 114 $8,820,000 $77,368
    Single Family (1-4 Units):Site-Built 2,241 $320,185,000 $142,876

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 350 $22,890,000 $65,400 $2,482 3.67%
    40-60% 375 $57,835,000 $154,227 $2,881 3.16%
    60-80% 791 $173,535,000 $219,387 $3,015 3.21%
    80-100% 596 $99,150,000 $166,359 $3,051 3.37%
    Over 100% 2 $310,000 $155,000 $2,701 3.75%
    Under 20% 258 $8,560,000 $33,178 $768 3.95%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    Peoples Home Equity, Inc. VA mortgage Applying for a mortgage or refinancing an existing mortgage 1 50.0%
    Peoples Home Equity, Inc. VA mortgage Trouble during payment process 1 50.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Peoples Bank 38 Tirangle Street Martin, KY 41649 Full Service B&M $43,189
    Peoples Bank 415 Main Street Caldwell, OH 43724 Full Service B&M $121,642
    Peoples Bank 68 South Kennebec Avenue Mcconnelsville, OH 43756 Full Service B&M $36,058
    Peoples Bank 907 Chillicothe Street Portsmouth, OH 45662 Full Service B&M $2,078
    Peoples Bank 120 North Main Street Baltimore, OH 43105 Full Service B&M $40,122
    Peoples Bank 2211 West Fair Avenue Lancaster, OH 43130 Full Service B&M $43,223
    Peoples Bank 230 East Mountain Parkway Salyersville, KY 41465 Full Service B&M $19,355
    Peoples Bank 726 Wells Street Sistersville, WV 26175 Full Service B&M $20,644
    Peoples Bank 735 Lila Avenue Milford, OH 45150 Full Service B&M $36,505
    Peoples Bank 7920 Ohio River Rd Wheelersburg, OH 45694 Full Service B&M $29,703
    Peoples Bank 801 East State Street Athens, OH 45701 Full Service B&M $29,697
    Peoples Bank 124 Gross Street Marietta, OH 45750 Full Service B&M $47,557
    Peoples Bank 125 West Main Street Blanchester, OH 45107 Full Service B&M $37,506
    Peoples Bank 1344 Rombach Avenue Wilmington, OH 45177 Full Service B&M $39,304
    Peoples Bank 138 Putnam Street Marietta, OH 45750 Full Service B&M $788,350
    Peoples Bank 1400 East Second Street Franklin, OH 45005 Full Service B&M $26,924
    Peoples Bank 1345 Yauger Road Mount Vernon, OH 43050 Full Service B&M $13,282
    Peoples Bank 135 North Howard Street Sabina, OH 45169 Full Service B&M $35,799
    Peoples Bank 138 Putnam Street Marietta, OH 45750 Limited, Drive-thru $0
    Peoples Bank 138 Putnam Street Marietta, OH 45750 Full Service Cyber Office $27
    Peoples Bank 141 West Main Street New Vienna, OH 45159 Full Service B&M $17,738
    Peoples Bank 158 East Cuyahoga Falls Avenue Akron, OH 44310 Full Service B&M $39,002
    Peoples Bank 1627 Ashland Road Greenup, KY 41144 Full Service B&M $25,370
    Peoples Bank 1902 Washington Boulevard Belpre, OH 45714 Full Service B&M $109,315
    Peoples Bank 207 Main Street New Martinsville, WV 26155 Full Service B&M $98,512
    Peoples Bank 221 S 2nd Street Byesville, OH 43723 Full Service B&M $38,979
    Peoples Bank 1871 State Road Cuyahoga Falls, OH 44221 Full Service B&M $22,639
    Peoples Bank 112 Lynn Street Pomeroy, OH 45769 Limited, Drive-thru $0
    Peoples Bank 115 Court Street Pomeroy, OH 45769 Full Service B&M $65,467
    Peoples Bank 1999 Winchester Avenue Ashland, KY 41101 Full Service B&M $40,444
    Peoples Bank 118 N Market St Waverly, OH 45690 Full Service B&M $12,036
    Peoples Bank 20 Sandhill Road Reno, OH 45773 Full Service B&M $38,635
    Peoples Bank 200 Main Street Coshocton, OH 43812 Full Service B&M $117,046
    Peoples Bank 201 East Main Street Batavia, OH 45103 Full Service B&M $56,361
    Peoples Bank 1180 North 21st Street Newark, OH 43055 Full Service B&M $12,330
    Peoples Bank 349 Third Avenue Gallipolis, OH 45631 Full Service B&M $33,300
    Peoples Bank 1 North Court Street Athens, OH 45701 Full Service B&M $34,977
    Peoples Bank 101 5th Avenue Huntington, WV 25701 Full Service B&M $79,211
    Peoples Bank 101 Canewood Center Drive Georgetown, KY 40324 Full Service B&M $2,675
    Peoples Bank 101 East A Street Wellston, OH 45692 Full Service B&M $54,324
    Peoples Bank 101 Harry Sauner Road Hillsboro, OH 45133 Full Service B&M $20,181
    Peoples Bank 1066 Hebron Road Heath, OH 43056 Full Service B&M $6,797
    Peoples Bank 1102 Grand Central Avenue Vienna, WV 26105 Full Service B&M $44,783
    Peoples Bank 244 West Main Street Williamsburg, OH 45176 Full Service B&M $26,085
    Peoples Bank 24400 Chagrin Boulevard, Suite 100 Beachwood, OH 44122 Full Service B&M $159,709
    Peoples Bank 262 Cassidy Boulevard Pikeville, KY 41501 Full Service B&M $19,777
    Peoples Bank 2904 Pike Street Parkersburg, WV 26101 Full Service B&M $31,902
    Peoples Bank 300 Main Street Lowell, OH 45744 Full Service B&M $46,965
    Peoples Bank 3108 Maple Avenue Zanesville, OH 43701 Full Service B&M $31,725
    Peoples Bank 311 North Arnold Avenue Prestonsburg, KY 41653 Full Service B&M $91,165
    Peoples Bank 332 Second Street Marietta, OH 45750 Full Service B&M $24,902
    Peoples Bank 3340 Greenwich Road Norton, OH 44203 Full Service B&M $17,914
    Peoples Bank 3411 Emerson Avenue Parkersburg, WV 26104 Full Service B&M $31,074
    Peoples Bank 347 East James Hannah Drive South Shore, KY 41175 Full Service B&M $10,098
    Peoples Bank 421 Main Street Point Pleasant, WV 25550 Full Service B&M $93,309
    Peoples Bank 43 South Main Street Munroe Falls, OH 44262 Full Service B&M $22,133
    Peoples Bank 452 West Main Street Mount Orab, OH 45154 Full Service B&M $77,396
    Peoples Bank 48 North South Street Wilmington, OH 45177 Full Service B&M $96,102
    Peoples Bank 503 Chillicothe Street Portsmouth, OH 45662 Full Service B&M $98,055
    Peoples Bank 505 East Main Street Lancaster, OH 43130 Full Service B&M $49,168
    Peoples Bank 556 Wheeling Avenue Cambridge, OH 43725 Full Service B&M $43,106
    Peoples Bank 590 East Main Street Jackson, OH 45640 Full Service B&M $15,247
    Peoples Bank 601 N Mayo Trail Paintsville, KY 41240 Full Service B&M $30,996
    Peoples Bank 6210 Snider Road Mason, OH 45040 Full Service B&M $18,569
    Peoples Bank 6284 Rivers Bend Drive Maineville, OH 45039 Full Service B&M $14,789
    Peoples Bank 655 West Central Avenue Carlisle, OH 45005 Full Service B&M $43,204
    Peoples Bank 6601 U.S. Route 60 Ashland, KY 41102 Full Service B&M $20,482
    Peoples Bank 7110 Bachman Road Sardinia, OH 45171 Full Service Retail $19,867
    Peoples Bank 7114 Miami Avenue Madeira, OH 45243 Full Service B&M $7,166
    Peoples Bank 826 Franklin Road Waynesville, OH 45068 Full Service B&M $20,014
    Peoples Bank 838 North Arnold Avenue Prestonsburg, KY 41653 Full Service B&M $14,233
    Peoples Bank 845 Wheeling Avenue Cambridge, OH 43725 Full Service B&M $193,502
    Peoples Bank 87 Main Street Inez, KY 41224 Full Service B&M $17,199
    Peoples Bank 885 South Main Street Georgetown, OH 45121 Full Service B&M $71,003
    Peoples Bank 900 Diederich Boulevard Russell, KY 41169 Full Service B&M $31,929
    Peoples Bank 903 Division Street Parkersburg, WV 26101 Full Service B&M $35,019
    Peoples Bank 910 Columbus Avenue Lebanon, OH 45036 Full Service Retail $26,396
    Peoples Bank 95 Edgebrook Drive Springboro, OH 45066 Full Service B&M $43,472
    Peoples Bank 951 Canal Street Nelsonville, OH 45764 Full Service B&M $36,943
    Peoples Bank 9813 Montgomery Road Montgomery, OH 45242 Full Service B&M $20,598

    For 2020, Peoples Bank had 80 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $156,999
    Net interest income $139,167
    Total noninterest income $64,288
    Gross Fiduciary activities income $9,102
    Service charges on deposit accounts $8,742
    Trading account gains and fees $1,741
    Additional Noninterest Income $44,703
    Pre-tax net operating income $47,000
    Securities gains (or losses, -) $296
    Income before extraordinary items $38,383
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $38,383
    Minority interest net income $0
    Net income $38,383
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $38,143

    Peoples Bank's gross interest income from loans was $156,999,000.
    Peoples Bank's net interest income from loans was $139,167,000.
    Peoples Bank's fee based income from loans was $8,742,000.
    Peoples Bank's net income from loans was $38,383,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $17,832
    Provision for credit losses $24,869
    Total noninterest expense $131,586
    Salaries and employee benefits $72,811
    Premises and equipment expense $12,807
    Additional noninterest expense $45,968
    Applicable income taxes $8,913
    Net charge-offs $1,763
    Cash dividends $49,000

    Peoples Bank's interest expense for loans was $17,832,000.
    Peoples Bank's payroll and benefits expense were $72,811,000.
    Peoples Bank's property, plant and equipment expenses $12,807,000.

    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 $3,926,817
    Deposits held in domestic offices $3,926,817
    Deposits by Individuals, partnerships, and corporations $3,405,323
    Deposits by U.S. Government $1,719
    Deposits by States and political subdivisions in the U.S. $497,060
    Deposits by Commercial banks and other depository institutions in U.S. $22,715
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $350,037
    Demand deposits $153,080
    Nontransaction accounts $3,576,780
    Money market deposit accounts (MMDAs) $2,434,004
    Other savings deposits (excluding MMDAs) $635,550
    Total time deposits $507,226
    Total time and savings deposits $3,773,737
    Noninterest-bearing deposits $997,389
    Interest-bearing deposits $2,929,428
    Retail deposits $3,668,470
    IRAs and Keogh plan accounts $85,052
    Brokered deposits $170,146
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $4,753,844
    Cash & Balances due from depository institutions $126,816
    Interest-bearing balances $67,663
    Total securities $820,223
    Federal funds sold & reverse repurchase $20,515
    Net loans and leases $3,357,240
    Loan and leases loss allowance $50,359
    Trading account assets $27,332
    Bank premises and fixed assets $66,579
    Other real estate owned $134
    Goodwill and other intangibles $184,461
    All other assets $150,544

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $4,753,844
    Total Liabilities $4,191,974
    Total deposits $3,926,817
    Interest-bearing deposits $2,929,428
    Deposits held in domestic offices $3,926,817
    % insured (estimated) $68
    Federal funds purchased and repurchase agreements $53,920
    Trading liabilities $39,395
    Other borrowed funds $129,733
    Subordinated debt $0
    All other liabilities $42,109

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $3,357,240
    Loan and leases loss allowance $50,359
    Total loans and leases (domestic) $3,407,599
    All real estate loans $1,736,224
    Real estate loans in domestic offices $1,736,224
    Construction and development loans $106,858
    Residential 1-4 family construction $3,998
    Other construction, all land development and other land $102,860
    Loans secured by nonfarm nonresidential properties $796,232
    Nonfarm nonresidential secured by owner-occupied properties $436,505
    Commercial real estate & other non-farm, non-residential $359,727
    Multifamily residential real estate $60,469
    1-4 family residential loans $745,127
    Farmland loans $27,538
    Loans held in foreign offices $0
    Farm loans $14,360
    Commercial and industrial loans $1,053,449
    To non-U.S. addressees $0
    Loans to individuals $582,621
    Credit card loans $0
    Related Plans $419
    Consumer Auto Loans $458,564
    Other loans to individuals $123,638
    All other loans & leases $20,945
    Loans to foreign governments and official institutions $0
    Other loans $351
    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 $12,938
    Non 1-4 family restructured loans & leases $6,099
    Total loans and leases (foreign) $0

    Peoples Bank had $3,357,240,000 of loans outstanding in 2020. $1,736,224,000 of loans were in real estate loans. $106,858,000 of loans were in development loans. $60,469,000 of loans were in multifamily mortgage loans. $745,127,000 of loans were in 1-4 family mortgage loans. $14,360,000 of loans were in farm loans. $0 of loans were in credit card loans. $458,564,000 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 1,066 $216,772 $203,351
    Nonfarm, nonresidential loans - <$100k 245 $8,703 $35,522
    Nonfarm, nonresidential loans - $100-250k 330 $32,108 $97,297
    Nonfarm, nonresidential loans - $250k-1MM 491 $175,961 $358,373
    Commercial & Industrial, US addressed loans - <$1MM 5,357 $389,629 $72,733
    Commercial & Industrial, US addressed loans - <$100k 3,906 $89,391 $22,886
    Commercial & Industrial, US addressed loans - $100-250k 815 $97,242 $119,315
    Commercial & Industrial, US addressed loans - $250k-1MM 636 $202,996 $319,176
    Farmland loans - <$1MM 118 $20,893 $177,059
    Farmland loans - <$100k 28 $1,001 $35,750
    Farmland loans - $100-250k 42 $5,426 $129,190
    Farmland loans - $250k-1MM 48 $14,466 $301,375
    Agriculture operations loans - <$1MM 110 $11,761 $106,918
    Agriculture operations loans - <$100k 67 $1,791 $26,731
    Agriculture operations loans - $100-250k 24 $2,402 $100,083
    Agriculture operations loans - $250k-1MM 19 $7,568 $398,316