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 - January 22, 2025

Loan Rates - January 22, 2025

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 2025

General Bank Information

FDIC Insured	Yes
FDIC Certificate	# 13220
Date Established	1905
Assets	$ 834.53 million
Loans	$ 399.38 million
Deposits	$ 749.98 million
Capital	$ 61.73 million

Summary Balance Sheet as of September 30, 2024

ASSETS
Cash & Balances due from depository institutions	$ 56.07 million
Interest-bearing balances	$ 44.96 million
Total securities	$ 344.64 million
Federal funds sold and reverse repurchase	N.A.
Net loans and leases	$ 399.38 million
Loan loss allowance	$ 4.97 million
Trading account assets	N.A.
Bank premises and fixed assets	N.A.
Other real estate owned	$ 0.02 million
Goodwill and other intangibles	$ 0.82 million
All other assets	$ 26.53 million
Total Assets	$ 772.80 million

LIABILITIES
Total deposits	$ 749.98 million
Interest-bearing deposits	$ 616.50 million
Deposits held in domestic offices	$ 749.98 million
% insured (estimated)	69.13%
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	$ 772.80 million
Shareholders’ Equity	$ 61.73 million

Summary Income Statement as of September 30, 2024

INCOME AND EXPENSES
Total Interest Income	$ 23.73 million
Total Interest Expense	$ 9.11 million
Net interest income	$ 14.63 million
Provision for loan and lease losses	$ 1.25 million
Total non interest income	$ 2.04 million
Total non interest expense	$ 7.39 million
Pre-tax Net Operating Income	$ 5.20 million

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Branches

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