PEOPLES BANK CO
COLDWATER, OHIO · FDIC Cert #13220
Capital & Safety Analysis
According to FDIC financial data, PEOPLES BANK CO holds a Tier 1 capital ratio of 18.94%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning PEOPLES BANK CO has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
PEOPLES BANK CO shows strong financial health indicators. With $798M in assets and a Health Score of 96/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
PEOPLES BANK CO has a Bank Health Score of A (96/100). It holds a Tier 1 capital ratio of 18.94%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
PEOPLES BANK CO holds $798M in total assets and $726M in total deposits. It is located in COLDWATER, OHIO (FDIC Certificate #13220).
PEOPLES BANK CO has a Tier 1 capital ratio of 18.94%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.00%, and the return on assets is 1.11%.
Yes. PEOPLES BANK CO is FDIC-insured (Certificate #13220). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.