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Q2 2026 · read from the 30 June 2026 Call Report · United States · Great Lakes · Ohio, the state note

Peoples Bank

Marietta, Ohio · $9.53B in assets · beside the 6 other Ohio banks between $3B and $10B

The filing

1.9x
Coverage of noncurrent
2nd of 6
90.9%
Loans / deposits
3rd of 7
12.7%
Equity / assets
3rd of 7

Peoples Bank is the largest of the 7 Ohio banks between $3B and $10B, with $9.53B in assets at 30 June 2026. Loans are 90.9% of deposits, 3rd of 7 against a median of 93.6%, and equity is 12.7% of assets, 3rd of 7. Loans grew +3.3% in the year, 3rd of 6, and deposits fell 2.3%; the cohort's median loan growth is +3.3%.

Noncurrent loans are 0.60% of the book, 3rd of 7 against a median of 0.70%; 0.38% is 30 to 89 days past due, and the allowance covers them 1.9 times. Net charge-offs are 0.35% of loans, the highest in the cohort. Commercial real estate is 25.2% of loans, 3rd of 7 against a median of 30.0%, and 176% of capital, below the 300% screen, with construction at 30% against the 100% screen.

Return on assets is 1.30%, 4th of 7 against a median of 1.30%, on an efficiency ratio of 57.5%, 4th of 7. Five years ago it was 1.07%. The question is which of these lines moves first over the next four quarters, and against which peer.

Commercial real estate, share of loansOH banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 30.0% EB Erebor Bank N A 0.0% US Union Savings Bank 14.8% PB Peoples Bank 25.2% FN Farmers National Bank of Canfield 30.0% FM Farmers & Merchants State Bank 30.2% NC National Coop Bank N A 37.5% CB Civista Bank 45.8%
Loans, year over yearOH banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +3.3% FN Farmers National Bank of Canfield +44.6% NC National Coop Bank N A +8.3% PB Peoples Bank +3.3% CB Civista Bank +3.2% FM Farmers & Merchants State Bank +2.8% US Union Savings Bank -0.8%

SBA 7(a), FY2008 to FY2026

Peoples Bank is the 14th largest 7(a) lender into Ohio of 361, with $211M across 501 loans, 1.4% of everything approved in the state (The Huntington National Bank leads with $5.20B). 75 of its 108 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Ohio, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Cuyahoga, OH$40M9th of 1452.1%-1.3 pts
Warren, OH$20M5th of 885.4%-5.1 pts
Hamilton, OH$16M17th of 1221.1%-0.1 pts
Summit, OH$13M16th of 1061.5%-3.7 pts
Stark, OH$13M7th of 762.9%-0.4 pts
Butler, OH$11M9th of 822.2%-8.3 pts
Montgomery, OH$10M14th of 1111.3%-2.9 pts
Clermont, OH$9M6th of 593.0%-1.0 pts
Franklin, OH$8M34th of 1660.4%-0.3 pts
Holmes, OH$7M3rd of 1718.0%+19.3 pts
Wood, WV$6M2nd of 2112.0%-25.4 pts
Meigs, OH$6M1st of 656.8%quiet FY2019
Cabell, WV$5M6th of 286.1%-9.6 pts
95 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Manufacturing102$61M22.8%0.15%116th of 2,246
Accommodation & food services136$41M15.4%0.05%249th of 2,596
Construction64$29M11.0%0.09%168th of 2,063
Retail trade91$23M8.5%0.04%297th of 2,589
Health care & social assistance65$19M7.0%0.04%263rd of 2,172
7(a) lenders into Ohio, share of approvals since FY2008361 lenders on record; the ten largest and Peoples Bank
TH The Huntington National Bank 34.6% $5.20B · 33,020 loans KN KeyBank National Association 4.7% $713M · 2,039 loans LO Live Oak Banking Company 4.1% $620M · 502 loans UB U.S. Bank, National Association 3.8% $570M · 2,992 loans FT Fifth Third Bank 2.8% $414M · 977 loans FF First Financial Bank 2.3% $349M · 970 loans FC First Commonwealth Bank 2.3% $346M · 539 loans JC JPMorgan Chase Bank, National Ass… 1.9% $285M · 1,869 loans UM United Midwest Savings Bank Natio… 1.8% $268M · 375 loans PB PNC Bank, National Association 1.6% $241M · 1,176 loans PB Peoples Bank 1.4% $211M · 501 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers; owner-occupied excluded; bold marks a screen met
Peoples BankRankCohort median
Total CRE against capital, the 300% screen176%3rd of 7198%
Construction against capital, the 100% screen30%4th of 730%
Construction and land development, share of loans4.3%5th of 74.2%
Non-owner-occupied nonfarm nonresidential, share of loans14.1%4th of 714.1%
Total CRE, the guidance definition, share of loans25.2%3rd of 730.0%
CRE growth over 36 months, the third prong+9.0%3rd of 6+12.1%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Peoples Bank$9.53B1.3%57.5%0.60%0.35%1.1%90.9%12.7%
Farmers National Bank of Canfield$7.16B1.2%57.3%0.93%0.17%1.1%81.4%11.5%
Erebor Bank N A$4.66B-2.1%212.0%0.00%0.00%0.8%1.9%12.8%
National Coop Bank N A$4.33B1.4%66.2%2.67%0.02%0.9%96.3%11.0%
Civista Bank$4.29B1.4%59.9%0.92%0.05%1.3%93.6%14.8%
Union Savings Bank$4.02B2.1%48.4%0.70%-0.01%0.8%100.5%10.2%
Farmers & Merchants State Bank$3.49B1.3%56.4%0.27%0.02%1.0%94.2%11.5%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Peoples BankCohort median
20212026Change20212026Change
Loans$3.37B$6.82B+102%$2.18B$3.44B+57%
Deposits$4.26B$7.51B+76%$2.69B$3.57B+33%
NPA / loans0.79%0.60%-0.19 pts0.61%0.70%+0.09 pts
Efficiency68.8%57.5%-11.4 pts60.6%57.5%-3.1 pts
ROA1.07%1.30%+0.23 pts1.54%1.30%-0.24 pts

This read was prepared for Peoples Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Peoples Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort OH banks $3B to $10B
Institution www.peoplesbancorp.com/

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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