The Peoples Bank Co.

The Peoples Bank Co. is an FDIC insured institution headquartered at 112 W Main St, Coldwater, OH 45828.
It was founded in 1905 and has approximately $1 billion in assets. Customers can open an account at one of its 7 branches.

Deposit Rates - November 19, 2024

Loan Rates - November 19, 2024

MORTGAGE PURCHASE	APR(%)	MONTHLY PAYMENT
15 Year Fixed Jumbo	7.02%	$2,876.25
15 Year Fixed Conforming	7.05%	$2,876.25
20 Year Fixed Jumbo	7.52%	$2,577.90
20 Year Fixed Conforming	7.54%	$2,577.90
30 Year Fixed Jumbo	7.51%	$2,237.49
30 Year Fixed Conforming	7.53%	$2,237.49

MORTGAGE REFINANCE	APR(%)	MONTHLY PAYMENT
15 Year Fixed Jumbo	7.02%	$2,876.25
15 Year Fixed Conforming	7.05%	$2,876.25
20 Year Fixed Jumbo	7.52%	$2,577.90
20 Year Fixed Conforming	7.54%	$2,577.90
30 Year Fixed Jumbo	7.51%	$2,237.49
30 Year Fixed Conforming	7.53%	$2,237.49

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Overview 2024

General Bank Information

FDIC Insured	Yes
FDIC Certificate	# 13220
Date Established	1905
Assets	$ 798.50 million
Loans	$ 389.05 million
Deposits	$ 726.19 million
Capital	$ 50.36 million

Summary Balance Sheet as of March 31, 2024

ASSETS
Cash & Balances due from depository institutions	$ 38.06 million
Interest-bearing balances	$ 26.98 million
Total securities	$ 335.47 million
Federal funds sold and reverse repurchase	N.A.
Net loans and leases	$ 389.05 million
Loan loss allowance	$ 5.01 million
Trading account assets	N.A.
Bank premises and fixed assets	N.A.
Other real estate owned	N.A.
Goodwill and other intangibles	$ 0.83 million
All other assets	$ 26.53 million
Total Assets	$ 748.14 million

LIABILITIES
Total deposits	$ 726.19 million
Interest-bearing deposits	$ 590.76 million
Deposits held in domestic offices	$ 726.19 million
% insured (estimated)	70.97%
Federal funds purchased and repurchase agreements	N.A.
Trading liabilities	N.A.
Other borrowed funds	$ 18.00 million
Subordinated debt	N.A.
All other liabilities	$ 1.56 millionn
Total Liabilities	$ 748.14 million
Shareholders’ Equity	$ 50.36 million

Summary Income Statement as of March 31, 2024

INCOME AND EXPENSES
Total Interest Income	$ 14.96 million
Total Interest Expense	$ 5.81 million
Net interest income	$ 9.15 million
Provision for loan and lease losses	$ 1.24 million
Total non interest income	$ 1.34 million
Total non interest expense	$ 5.01 million
Pre-tax Net Operating Income	$ 5.20 million

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Branches

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