🏦Bank Scorer

THE PEOPLES BANK CO.

COLDWATER, OH · Supervised by FDIC

Est. 1905FDIC #13,220RSSD: FDIC-13220
Part ofPEOPLES HOLDING CO INC→ View all charters
Satisfactory Same

Current rating · Exam: October 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.68%

Institution Profile

FDIC BankFind

Address

112 W Main St, COLDWATER, OH

County

Mercer County

Established

November 20, 1905

Total Assets

$842M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

October 1, 2024

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Oct 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$842M

Total Deposits

$738M

Net Loans

$432M

Net Income

$4M

ROA

1.68%

ROE

17.50%

Risk-Based Capital

22.18%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

7

Branch Deposits

$749M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

11 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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