|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 The Peoples Bank Co. Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: November 5, 2026
The Peoples Bank Co.'s 15-Month IRA CD Special rates are at 4.11%, 12-Month IRA CD rates are at 4.06%, 9-Month IRA CD rates are at 4.06%, 60-Month IRA CD rates are at 3.29%, 48-Month IRA CD rates are at 3.19%. The Peoples Bank Co.'s top CD rate of 4.11% APY on a 15 month CD is 38% higher than the MonitorBankRates national average of 2.98% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of The Peoples Bank Co. with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.74%. Rates last updated and verified on 11/05/2026. The Peoples Bank Co. money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at The Peoples Bank Co.? Share your experience about The Peoples Bank Co. by leaving a review below, or read customer reviews before you decide to use The Peoples Bank Co.. Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends. The Peoples Bank Co. CD Rates
The Peoples Bank Co. Other Rates
Financial Health HistoryThe Peoples Bank Co.’s Texas Ratio stayed near 1.02% in Q3 2023 to 0.74% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 3.4 to 5.0 and its Health Grade from B to A+. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
Powered by
MonitorBankRates
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for The Peoples Bank Co. is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather The Peoples Bank Co. rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with The Peoples Bank Co.'s official website for the most current offers and terms.
Bank Profile & Overview
Bank Name
The Peoples Bank Co.
Website
https://www.pbc.bank
Address
112 W Main St,
Coldwater, OH 45828 · Mercer
Bank Holding Company
PEOPLES HOLDING CO INC
FDIC Certificate #
13220
Regulator
FDIC
Established
November 20, 1905
FDIC Insurance Date
January 1, 1934
Domestic Offices
7
Total Branches
7
FDIC Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.74%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
1.6633%
Return on Equity (ROE)
17.2500%
Non-Performing Loans Ratio (NPL)
0.07%
Total Assets
$859,237,000
Total Deposits
$738,757,000
Equity Capital
$83,245,000
Net Income
$7,021,000
Headquarters
Coldwater
Total Branches and Offices
7
Source: FDIC — Last Updated June 30, 2026
Customer Reviews
There are no reviews for The Peoples Bank Co. yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for The Peoples Bank Co.
Frequently Asked Questions About The Peoples Bank Co.Does The Peoples Bank Co. offer CDs?Yes. The Peoples Bank Co. current CD rates include its 15-Month IRA CD Special at 4.11% APY, its 12-Month IRA CD at 4.06% APY and its 9-Month IRA CD at 4.06% APY, verified by MonitorBankRates as of November 5, 2026. Are CDs from The Peoples Bank Co. FDIC insured?Yes. The Peoples Bank Co. is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at The Peoples Bank Co.?The highest The Peoples Bank Co. CD rate is its 15-Month IRA Certificate Special at 4.11% APY, verified by MonitorBankRates as of November 5, 2026. What CD terms does The Peoples Bank Co. offer?The Peoples Bank Co. CD rates are 4.06% APY for a 9 month CD, 3.80% APY for a 12 month CD, 4.11% APY for a 15 month CD, 2.42% APY for an 18 month CD, 2.52% APY for a 2 year CD, 2.73% APY for a 3 year CD, 2.93% APY for a 4 year CD and 3.03% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with The Peoples Bank Co. for its full lineup. How many branches does The Peoples Bank Co. operate?The Peoples Bank Co. currently maintains approximately 7 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, The Peoples Bank Co. does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, The Peoples Bank Co. provides members with tools to manage their accounts and build a solid financial history. Does The Peoples Bank Co. offer online and mobile banking?Most modern institutions like The Peoples Bank Co. provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.pbc.bank. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do The Peoples Bank Co. rates compare?The Peoples Bank Co.'s top CD rate of 4.11% APY on a 15 month CD is 38% higher than the MonitorBankRates national average of 2.98% APY for that term, and it has an A+ health rating. The Peoples Bank Co.'s top rate is its 15-Month IRA Certificate Special at 4.11% APY, verified by MonitorBankRates on November 5, 2026. Current The Peoples Bank Co. Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Banks
SNB of Groom
Siouxland Bank
FNB of Lebanon
FNB of Wauchula
Streator Home Savings Bank
Horatio State Bank
SouthPoint Bank
The Bank of Brodhead
Cincinnatus Savings and Loan
Dysart State Bank
Commercial Capital Bank
FirstBank Southwest
Haverhill Bank
Merchants Bank National Association
CB&S Bank
Capitol Bank Madison, WI
Henderson FSB
Triad Bank
First Security Bank - West
New Haven Bank
Salyersville National Bank
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
