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The Peoples Bank Co.


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
4.20%
Our Rating
3.8  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.pbcbank.com
419-678-2385
112 W. Main Street
Coldwater, OH 45828

The Peoples Bank Co. is headquartered in COLDWATER and is the 40th largest bank in the state of Ohio. It is also the 1,204th largest bank in the nation. It was established in 1905 and as of March of 2025, it had grown to 70 employees at 7 locations. The Peoples Bank Co.'s CD rates are 5X the national average, and it has an A health rating.

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Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #13220
Year Established1905
Employees70
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.69%
Return on Equity - YTD22.88%
Annual Interest Income$8.8MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$835.5MM$720.3MM
LoansQ1 2025vs Q1 2024$418.6MM$369MM
DepositsQ1 2025vs Q1 2024$747.9MM$631.7MM
Equity CapitalQ1 2025vs Q1 2024$64.1MM$51.1MM
Loan Loss AllowanceQ1 2025vs Q1 2024$4.7MM$3.8MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$614K$0
Real Estate OwnedQ1 2025vs Q1 2024$15K$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
4.20%
Our Rating
3.8  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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Always verify rates and promotions with the bank or credit union. We are not The Peoples Bank Co.; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

The Peoples Bank Co. CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.06%*$5k*-12 Month CD
OTHER TIERS: 3.80% → $500 - $5k
4.06%*$5k*-Business 12 Month CD
OTHER TIERS: 3.80% → $500 - $5k
3.14%*$5k*-60 Month CD
OTHER TIERS: 2.88% → $500 - $5k
3.14%*$5k*-Business 60 Month CD
OTHER TIERS: 2.88% → $500 - $5k
2.98%*$5k*-48 Month CD
OTHER TIERS: 2.73% → $500 - $5k
2.98%*$5k*-Business 48 Month CD
OTHER TIERS: 2.73% → $500 - $5k
2.78%*$5k*-24 Month CD
OTHER TIERS: 2.52% → $500 - $5k
2.78%*$5k*-Business 24 Month CD
OTHER TIERS: 2.52% → $500 - $5k
2.52%*$5k*-36 Month CD
OTHER TIERS: 2.27% → $500 - $5k
2.52%*$5k*-Business 36 Month CD
OTHER TIERS: 2.27% → $500 - $5k
1.46%*$5k*-18 Month CD
OTHER TIERS: 1.21% → $500 - $5k
1.46%*$5k*-Business 18 Month CD
OTHER TIERS: 1.21% → $500 - $5k

The Peoples Bank Co. IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.31%$25-18 Month Variable IRA
4.31%$25-Business 18 Month Variable IRA
1.46%$25-18 Month Fixed IRA
1.46%$25-Business 18 Month Fixed IRA
Locations


The Peoples Bank Co. Locations
Rockford Branch100 North Main StreetRockford, OH 45882
The Peoples Bank Co.112 W Main StColdwater, OH 45828
Saint Marys Branch1510 Kishler DriveSaint Marys, OH 45885
West Logan Branch309 West Logan StreetCelina, OH 45822
East Wayne Street Branch818 East Wayne StreetCelina, OH 45822
Burkettsville BranchMain and Washington StreetsBurkettsville, OH 45310
Drive-In BranchNorth and Mill StreetsColdwater, OH 45828

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