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Overview / Commentary
740-373-3155
138 Putnam Street
Marietta, OH 45750

Peoples Bank, National Association is headquartered in Marietta and is the 13st largest bank in the state of Ohio. It is also the 356th largest bank in the nation. It was established in 1902 and as of March of 2014, it had grown to 557 employees at 45 locations. Peoples Bank, National Association has a A+ health rating.

Reviews (2)

I am An Oil And Gas Landman And Have Worked And Banked All Over The Country And This Bank Is The Most PATHETIC I Have Ever Seen.

POORLY managed.  They basically steal the money out of your accounts with fees.

Overdraft Fees, And Overdraft Fees On Your Overdrat Fee

This is the most fee giving bank I have ever dealt with. They give you a fee on top of your fee every day. They charge you an overdraft fee while your check is pending. If they have a class action suit against this bank like the did to PNC, I want in on it. I can't wait to close this account today.



Health

Data for Q1 2014

Institution Health

A+

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Peoples Bank, National Association had $9.74 million in non-current loans and owned real-estate with $227.14 million in equity and loan loss allowances on hand to cover it. This gives Peoples Bank, National Association a Texas Ratio of 4.29% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for Peoples Bank, National Association decreased slightly from 5.38% as of March 31, 2013 to 4.29% as of March 31, 2014, resulting in a positive change of 20.31%.This indicates that the balance sheet and financial strength for Peoples Bank, National Association has improved slightly in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Peoples Bank, National Association has increased its total deposits by $109.73 million, resulting in 7.15% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Peoples Bank, National Association has shown is excellent.

Capitalization

GRADE:
B+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Peoples Bank, National Association has $2.07 billion in assets with $227.14 million in equity, resulting in a capitalization level of 10.98%, which is above average.

Institution Statistics

Overall
FDIC Certificate #6544
Year Established1902
Employees557
Primary RegulatorOCC
Assets and Liabilities
Assets$2.07 billion
Loans$1.21 billion
Deposits$1.64 billion
Equity Capital$210.27 million
Loan Loss Allowance$16.87 million
Unbacked Noncurrent Loans$8.97 million
Real Estate Owned$773,000
Historic Data - March 2013
Assets$1.93 billion
Equity Capital$217.14 million
Loan Loss Allowance$17.44 million
Unbacked Noncurrent Loans$8.97 million
Real Estate Owned$815,000
Profit Margin - Quarterly
Net Interest Margin3.32%
Return on Assets1.06%
Return on Equity10.56%
Interest Income$18.09 million
Rates
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Peoples Bank, National Association CD Rates

DetailsAPYMINMAXPRODUCT
1.26%$1k-57 Month CD Special
0.60%$2k-38 Month One-Time Rate Bump CD Special
0.35%$500-18 Month Add-On CD
0.25%$1k-13 Month CD Special

Peoples Bank, National Association IRA Rates

DetailsAPYMINMAXPRODUCT
1.26%$1k-57 Month IRA Special
0.60%$2k-38 Month One-Time Rate Bump IRA Special
0.35%$500-18 Month Add-On IRA Special
0.25%$1k-13 Month IRA Special
Locations

Peoples Bank, National Association has 43 locations. Click to view all Peoples Bank, National Association locations.