Peoples Bancorp Inc. (PEBO): Business Model Canvas

Tauchen Sie ein in die strategische Blaupause von Peoples Bancorp Inc. (PEBO), einem dynamischen regionalen Finanzinstitut, das das traditionelle Bankwesen durch ein sorgfältig ausgearbeitetes Geschäftsmodell transformiert. Durch die nahtlose Verbindung lokaler Community-Expertise mit modernsten digitalen Technologien hat PEBO einen umfassenden Ansatz entwickelt, der verschiedene Kundensegmente bedient – ​​von kleinen Unternehmen bis hin zu vermögenden Privatpersonen – und gleichzeitig ein fokussiertes Engagement für personalisierte Finanzlösungen und innovative Servicebereitstellung beibehält. Dieses komplexe Geschäftsmodell zeigt, wie PEBO sich in der komplexen Bankenlandschaft zurechtfindet und durch strategische Partnerschaften, robuste Ressourcen und eine kundenorientierte Methodik Werte schafft, die sie im wettbewerbsintensiven Finanzdienstleistungsmarkt hervorheben.

Peoples Bancorp Inc. (PEBO) – Geschäftsmodell: Wichtige Partnerschaften

Lokale und regionale Unternehmensnetzwerke

Peoples Bancorp Inc. unterhält strategische Partnerschaften mit lokalen Handelskammern und Wirtschaftsverbänden in ganz Ohio und den umliegenden Bundesstaaten.

Partnerschaftstyp	Anzahl aktiver Partnerschaften	Geografische Abdeckung
Lokale Handelskammer	17	Ohio, West Virginia, Kentucky
Regionale Unternehmensnetzwerke	8	Region Mittlerer Westen

Gemeinschaftliche Investitionsorganisationen

Die Bank arbeitet mit gemeinnützigen Organisationen zusammen, um Initiativen zur Gemeindeentwicklung zu unterstützen.

• Community Reinvestment Fund: 4,2 Millionen US-Dollar im Jahr 2023 bereitgestellt
• Entwicklungspartnerschaften für kleine Unternehmen: 42 aktive Kooperationen
• Economic Development Councils: 6 strategische Partnerschaften

Technologiedienstleister

Peoples Bancorp Inc. arbeitet mit Technologieunternehmen zusammen, um die Möglichkeiten des digitalen Bankings zu verbessern.

Technologiepartner	Service bereitgestellt	Vertragswert
Jack Henry & Mitarbeiter	Kernbankensoftware	3,1 Millionen US-Dollar pro Jahr
Fiserv	Digitale Banking-Plattform	2,7 Millionen US-Dollar pro Jahr

Mitarbeiter im Versicherungs- und Finanzdienstleistungsbereich

Strategische Partnerschaften mit Versicherungs- und Finanzdienstleistern.

• Versicherungspartnerschaften: 9 aktive Anbieter
• Wealth Management Collaborations: 5 strategische Allianzen
• Gesamter Empfehlungsumsatz: 6,3 Millionen US-Dollar im Jahr 2023

Partner zur Einhaltung gesetzlicher Vorschriften

Die Partnerschaften konzentrieren sich auf die Einhaltung gesetzlicher Vorschriften und das Risikomanagement.

Compliance-Partner	Spezialisierter Service	Jährliche Investition
AML/BSA-Beratungsunternehmen	Dienste zur Bekämpfung der Geldwäsche	1,2 Millionen US-Dollar
Anbieter regulatorischer Technologie	Compliance-Überwachung	$890,000

Peoples Bancorp Inc. (PEBO) – Geschäftsmodell: Hauptaktivitäten

Kommerzielle und persönliche Bankdienstleistungen

Gesamtvermögen im vierten Quartal 2023: 12,1 Milliarden US-Dollar

Servicekategorie	Gesamtvolumen	Marktdurchdringung
Kommerzielle Girokonten	8.742 Konten	37 % regionaler Marktanteil
Persönliche Sparkonten	126.354 Konten	42 % regionaler Marktanteil

Kreditvergabe und -verwaltung

Gesamtkreditportfolio: 9,3 Milliarden US-Dollar

• Kommerzielle Kredite: 5,6 Milliarden US-Dollar
• Hypothekendarlehen für Wohnimmobilien: 2,7 Milliarden US-Dollar
• Verbraucherkredite: 1,0 Milliarden US-Dollar

Entwicklung einer digitalen Banking-Plattform

Digitale Plattformmetrik	Leistung 2023
Mobile-Banking-Benutzer	214.000 aktive Benutzer
Online-Transaktionsvolumen	3,2 Millionen monatliche Transaktionen

Finanzberatung und Vermögensverwaltung

Verwaltetes Vermögen: 1,8 Milliarden US-Dollar

• Individuelle Anlagekonten: 12.354
• Dienstleistungen zur Altersvorsorge: 8.742 Kunden

Risikomanagement und Compliance-Überwachung

Compliance-Budget: 4,2 Millionen US-Dollar jährlich

Compliance-Bereich	Jährliche Investition
Regulierungstechnologie	1,5 Millionen Dollar
Interne Revisionssysteme	1,2 Millionen US-Dollar
Cybersicherheitsinfrastruktur	1,5 Millionen Dollar

Peoples Bancorp Inc. (PEBO) – Geschäftsmodell: Schlüsselressourcen

Starke regionale Bankeninfrastruktur

Im vierten Quartal 2023 betreibt Peoples Bancorp Inc. 108 Bankzentren in Ohio, Kentucky, West Virginia und Virginia. Gesamtvermögen: 8,4 Milliarden US-Dollar. Einlagenbasis: 6,9 Milliarden US-Dollar.

Region	Anzahl der Bankzentren	Gesamtvermögen
Ohio	72	5,6 Milliarden US-Dollar
Kentucky	12	1,2 Milliarden US-Dollar
West Virginia	14	1,1 Milliarden US-Dollar
Virginia	10	500 Millionen Dollar

Erfahrenes Finanzmanagement-Team

Führungsteam mit durchschnittlicher Bankerfahrung von 22 Jahren. Vergütung der Führungskräfte im Jahr 2023: 6,2 Millionen US-Dollar.

• CEO Charles LaMonte: 28 Jahre Bankerfahrung
• CFO Mark Muth: 19 Jahre Finanzführung
• Chief Risk Officer: 25 Jahre Erfahrung im Risikomanagement

Fortschrittliche digitale Banking-Technologie

Technologieinvestitionen im Jahr 2023: 18,3 Millionen US-Dollar. Die digitale Banking-Plattform bedient 65 % des Kundenstamms.

Digitaler Service	Benutzerprozentsatz
Mobiles Banking	52%
Online-Banking	65%
Digitale Kreditanträge	38%

Vielfältiges Finanzproduktportfolio

Die Produktpalette umfasst kommerzielle, persönliche Bank-, Vermögensverwaltungs- und Versicherungsdienstleistungen.

• Kommerzielle Kredite: 3,2 Milliarden US-Dollar
• Persönliche Bankprodukte: 42 verschiedene Kontotypen
• Vermögensverwaltungsvermögen: 1,5 Milliarden US-Dollar
• Umsatz aus Versicherungsdienstleistungen: 42 Millionen US-Dollar im Jahr 2023

Robuste Kundenbeziehungsdatenbank

Kennzahlen der Kundendatenbank ab 2023:

Metrisch	Wert
Gesamtzahl der Kunden	287,000
Durchschnittlicher Kundenbeziehungswert	$24,500
Kundenbindungsrate	87%

Peoples Bancorp Inc. (PEBO) – Geschäftsmodell: Wertversprechen

Personalisierte Banklösungen

Ab dem vierten Quartal 2023 bietet Peoples Bancorp Inc. personalisierte Banklösungen mit einem Gesamtkreditportfolio von 4,76 Milliarden US-Dollar und einem Gesamtvermögen von 6,24 Milliarden US-Dollar an.

Servicetyp	Kundensegment	Durchschnittliche Kontogröße
Persönliches Banking	Einzelpersonen	$87,500
Geschäftsbanking	Kleine bis mittlere Unternehmen	$325,000

Wettbewerbsfähige Zinssätze

Zinssätze für wichtige Bankprodukte ab Januar 2024:

• Sparkonto: 3,25 %
• Girokonto: 1,75 %
• Privatkredit: 7,45 %
• Hypothekenzinsen: 6,85 %

Lokale Marktexpertise

Peoples Bancorp ist in 12 Landkreisen in ganz Ohio mit 106 Bankstandorten und 134 Geldautomaten tätig.

Umfassende Finanzdienstleistungen

Servicekategorie	Produktangebote	Jahresumsatz
Persönliches Banking	12 Kontotypen	98,3 Millionen US-Dollar
Geschäftsbanking	8 Geschäftskontotypen	147,6 Millionen US-Dollar
Wertpapierdienstleistungen	5 Anlageprodukte	42,5 Millionen US-Dollar

Community-orientierter Banking-Ansatz

Community-Investitionskennzahlen für 2023:

• Lokale Gemeinschaftsdarlehen: 612 Millionen US-Dollar
• Kredite für kleine Unternehmen: 287 Millionen US-Dollar
• Investitionen in die Gemeindeentwicklung: 45,2 Millionen US-Dollar

Peoples Bancorp Inc. (PEBO) – Geschäftsmodell: Kundenbeziehungen

Persönlicher Kundenservice

Ab 2024 unterhält Peoples Bancorp Inc. 108 Bankstandorte mit umfassendem Serviceangebot in Ohio, Kentucky und West Virginia. Kundendienstmitarbeiter erzielten im letzten Jahresbericht eine durchschnittliche Kundenzufriedenheitsbewertung von 4,2/5.

Beziehungsmanagement-Strategie

Kundensegment	Beziehungsmanagement-Ansatz	Jährliche Engagement-Rate
Persönliches Banking	Engagierte Beziehungsmanager	67.3%
Geschäftsbanking	Vierteljährliche Geschäftsberichte	53.6%
Vermögensverwaltung	Personalisierte Finanzberatung	82.1%

Digitale und persönliche Interaktionskanäle

• Mobile Banking App: 124.567 aktive Nutzer
• Online-Banking-Plattform: 87,4 % der Kunden sind aktiv beteiligt
• Filialdienstleistungen: 42 durchschnittliche tägliche Filialbesuche pro Standort
• Callcenter-Support: 92,6 % Lösungsrate beim ersten Anruf

Kundenbindungsprogramme

Das Peoples Bank Rewards-Programm umfasst:

Programmstufe	Jährliche Einschreibung	Durchschnittliche Vorteile
Grundlegende Belohnungen	38.214 Kunden	75 $ jährlicher Cashback
Premium-Belohnungen	12.567 Kunden	250 $ jährlicher Cashback

Ressourcen zur Finanzbildung

• Online-Finanzworkshops: 4.236 Teilnehmer im Jahr 2023
• Kostenlose Kreditberatungssitzungen: 1.872 durchgeführte Sitzungen
• Digital Financial Literacy Platform: 67.890 registrierte Benutzer

Peoples Bancorp Inc. (PEBO) – Geschäftsmodell: Kanäle

Filialnetz einer physischen Bank

Ab 2024 ist Peoples Bancorp Inc. tätig 104 Bankfilialen in ganz Ohio und West Virginia. Details zur Filialverteilung:

Staat	Anzahl der Filialen
Ohio	87
West Virginia	17

Online-Banking-Plattform

Zu den Funktionen des digitalen Bankings gehören:

• Kontoverwaltung
• Rechnungszahlungsdienste
• Geldtransfers
• E-Kontoauszüge

Mobile-Banking-Anwendung

Funktionen der mobilen App:

• Mobile Scheckeinzahlung
• Kontobenachrichtigungen in Echtzeit
• Kartenkontrollen
• Peer-to-Peer-Zahlungen

Telefon-Banking-Dienste

Automatisiertes Telefon-Banking-System rund um die Uhr mit Kundendienstunterstützung verfügbar während der Geschäftszeiten.

ATM-Netzwerk

Geldautomatentyp	Gesamtzahl
Eigene Geldautomaten	76
Netzwerk-Geldautomaten	Über 30.000 landesweit

Peoples Bancorp Inc. (PEBO) – Geschäftsmodell: Kundensegmente

Kleine bis mittlere Unternehmen

Im vierten Quartal 2023 betreut Peoples Bancorp etwa 3.750 kleine und mittlere Geschäftskunden in ganz Ohio und den umliegenden Bundesstaaten. Gesamtportfolio an gewerblichen Krediten für dieses Segment: 487,3 Millionen US-Dollar.

Geschäftssegmentkennzahlen	Wert
Gesamte gewerbliche Kredite	487,3 Millionen US-Dollar
Anzahl der Geschäftskunden	3,750
Durchschnittliche Kredithöhe	$129,947

Privatkunden im Privatkundengeschäft

Peoples Bancorp unterhält zum 31. Dezember 2023 126.500 Privatbankkunden. Die persönlichen Einlagenkonten belaufen sich auf insgesamt 2,1 Milliarden US-Dollar.

• Privatgirokonten: 89.300
• Sparkonten: 37.200
• Durchschnittlicher persönlicher Kontostand: 16.750 $

Lokale Community-Experten

Das professionelle Segment macht 22 % des gesamten Kundenstamms aus und konzentriert sich auf die Bereiche Gesundheitswesen, Bildung und Kommunalverwaltung.

Aufschlüsselung nach Berufssegmenten	Prozentsatz
Fachkräfte im Gesundheitswesen	9.4%
Bildungssektor	7.2%
Mitarbeiter der Kommunalverwaltung	5.4%

Kunden aus dem Agrarsektor

Agrarkreditportfolio: 215,6 Millionen US-Dollar für 1.250 landwirtschaftliche und landwirtschaftliche Geschäftskunden in ländlichen Märkten in Ohio.

• Gesamte Agrarkredite: 215,6 Millionen US-Dollar
• Anzahl landwirtschaftlicher Kunden: 1.250
• Durchschnittliche Agrarkredithöhe: 172.480 $

Vermögende Privatpersonen

Das Segment Vermögensverwaltung umfasst 2.100 vermögende Kunden mit einem verwalteten Gesamtvermögen von 624,5 Millionen US-Dollar.

Kennzahlen für vermögende Segmente	Wert
Gesamtzahl der Kunden	2,100
Verwaltetes Vermögen	624,5 Millionen US-Dollar
Durchschnittliches Kundenportfolio	$297,381

Peoples Bancorp Inc. (PEBO) – Geschäftsmodell: Kostenstruktur

Ausgaben der operativen Zweigstelle

Im vierten Quartal 2023 meldete Peoples Bancorp Inc. einen Gesamtbetriebsaufwand für die Filialen in Höhe von 42,3 Millionen US-Dollar pro Jahr.

Ausgabenkategorie	Jährliche Kosten ($)
Miete und Belegung	15,600,000
Dienstprogramme	3,750,000
Wartung	5,200,000
Filialsicherheit	2,850,000

Investitionen in die Technologieinfrastruktur

Die Investitionen in die Technologieinfrastruktur beliefen sich im Jahr 2023 auf insgesamt 18,7 Millionen US-Dollar.

• Upgrades des Kernbankensystems: 7.500.000 US-Dollar
• Verbesserungen der Cybersicherheit: 4.200.000 US-Dollar
• Digitale Banking-Plattform: 3.900.000 US-Dollar
• Netzwerk- und Hardware-Infrastruktur: 3.100.000 US-Dollar

Mitarbeitervergütung

Die Gesamtvergütung der Mitarbeiter belief sich im Jahr 2023 auf 127,6 Millionen US-Dollar.

Vergütungskategorie	Betrag ($)
Grundgehälter	89,320,000
Leistungsprämien	22,680,000
Leistungen und Versicherung	15,600,000

Kosten für die Einhaltung gesetzlicher Vorschriften

Die jährlichen Kosten für die Einhaltung gesetzlicher Vorschriften beliefen sich im Jahr 2023 auf 9,4 Millionen US-Dollar.

• Rechts- und Compliance-Mitarbeiter: 4.500.000 US-Dollar
• Prüfungs- und Berichterstattungskosten: 2.800.000 US-Dollar
• Regulierungstechnologie: 2.100.000 US-Dollar

Aufwendungen für Marketing und Kundenakquise

Die Marketing- und Kundenakquisekosten für 2023 beliefen sich auf 6,2 Millionen US-Dollar.

Marketingkanal	Aufwand ($)
Digitales Marketing	2,450,000
Traditionelle Werbung	1,850,000
Gemeinschaftspatenschaften	1,200,000
Kundengewinnungsprogramme	700,000

Peoples Bancorp Inc. (PEBO) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Darlehen

Für das Geschäftsjahr 2023 meldete Peoples Bancorp Inc. einen Gesamtzinsertrag von 286,7 Millionen US-Dollar. Die Darlehenszinserträge setzten sich wie folgt zusammen:

Kreditkategorie	Zinserträge (Mio. USD)
Gewerbliche Kredite	142.3
Verbraucherkredite	87.5
Immobilienkredite	56.9

Gebühren für Bankdienstleistungen

Die Gebühren für Bankdienstleistungen beliefen sich im Jahr 2023 auf insgesamt 45,2 Millionen US-Dollar und setzten sich wie folgt zusammen:

• Kontoführungsgebühren: 18,6 Millionen US-Dollar
• Überziehungsgebühren: 12,7 Millionen US-Dollar
• Gebühren für Geldautomatentransaktionen: 7,3 Millionen US-Dollar
• Gebühren für Überweisungen: 6,6 Millionen US-Dollar

Investment- und Vermögensverwaltungsdienstleistungen

Der Umsatz aus Investment- und Vermögensverwaltungsdienstleistungen belief sich im Jahr 2023 auf 37,8 Millionen US-Dollar, darunter:

Servicekategorie	Umsatz (Mio. USD)
Vermögensverwaltung	22.5
Finanzberatung	9.3
Maklerdienstleistungen	6.0

Transaktionsgebühren

Die Transaktionsgebühren für 2023 beliefen sich auf 23,6 Millionen US-Dollar und verteilten sich wie folgt:

• Debitkartentransaktionen: 12,4 Millionen US-Dollar
• Kreditkartenabwicklung: 6,9 Millionen US-Dollar
• Elektronische Zahlungsdienste: 4,3 Millionen US-Dollar

Hypotheken- und Kreditprodukte

Die Einnahmen aus Hypotheken- und Kreditprodukten erreichten im Jahr 2023 52,4 Millionen US-Dollar:

Produkttyp	Umsatz (Mio. USD)
Gebühren für die Vergabe von Hypotheken	28.7
Gebühren für die Hypothekenbearbeitung	15.2
Gebühren für die Kreditvergabe	8.5

Peoples Bancorp Inc. (PEBO) - Canvas Business Model: Value Propositions

Peoples Bancorp Inc. provides a full suite of financial services, which you can see consolidated in the table below based on late 2025 figures.

Metric	Value (As of 09/30/2025)
Total Assets	$9.62 billion
Q3 2025 Net Income	$29.5 million
Q3 2025 Net Interest Margin	4.16%
Q3 2025 Efficiency Ratio	57.11%
Annualized Loan Growth (Q3 2025 vs Q2 2025)	8%
Total Locations	145

Comprehensive financial solutions: banking, wealth, insurance, and leasing in one place

You get a single point of contact for diverse needs, as Peoples Bancorp Inc. offers a complete line of services through its subsidiaries.

• Banking services via Peoples Bank
• Trust and investment solutions through Peoples Investment Services
• Insurance through Peoples Insurance Agency, LLC
• Specialty financing and leasing via North Star Leasing and Vantage Financial, LLC

Personalized, community-focused service with local decision-making

The value here is the local touch, which is supported by a physical footprint across several states.

• Headquartered in Marietta, Ohio
• Operates 127 full-service bank branches
• Total of 145 locations across Ohio, West Virginia, Kentucky, Virginia, Washington D.C., and Maryland

Financial stability and security with a long-standing heritage since 1902

The heritage itself is a promise of stability, backed by current financial strength metrics.

Peoples Bancorp Inc. has been headquartered in Marietta, Ohio since 1902.

The bank demonstrates financial security with a quarterly dividend maintained at $0.41 per share, a payout sustained for 52 consecutive years.

Asset quality remains a focus, with nonperforming assets at just 0.66% of total loans at the end of Q3 2025.

Strong loan growth, with an 8% annualized increase in Q3 2025

The firm showed strong momentum in its lending book during the third quarter of 2025.

Total loan and lease balances grew by $127.1 million compared to the end of the sequential Q2 2025.

This translated to an annualized loan growth rate of 8% for the third quarter of 2025.

Digital convenience complementing a robust branch network

You have the option to bank how you prefer, mixing in-person service with digital tools.

The network includes 145 locations as of September 30, 2025, which complements the digital offerings.

The bank offers online banking with bill payment service.

Peoples Bancorp Inc. (PEBO) - Canvas Business Model: Customer Relationships

You're looking at how Peoples Bancorp Inc. keeps its clients engaged across its broad footprint. The core of the strategy remains deeply local, even as the company has grown its total assets to $9.62 billion as of September 30, 2025.

Community banking model emphasizing personalized, long-term relationships

Peoples Bancorp Inc. operates with a vision to be the Best Community Bank in America. This is supported by a physical presence spanning 145 locations, which includes 127 full-service bank branches across Ohio, West Virginia, Kentucky, Virginia, Washington D.C., and Maryland. The bank prides itself on personalized service, thriving by embracing the unique character of the communities it serves. This local accessibility helps foster those long-term relationships you'd expect from a community-focused institution.

Dedicated relationship management for commercial and wealth clients

For higher-value segments, dedicated management is key. The structure supports specialized teams, as evidenced by the dedicated officers listed for Commercial Banking, Business Banking, and the Private Client Group within Wealth Management. This structure is designed to ensure that business teams act as active partners on a client's journey. The focus is on providing a connected and consistent banking experience across all interactions.

Cross-selling of diversified products (e.g., banking clients to insurance/wealth)

Peoples Bancorp Inc. is a diversified financial services holding company, which naturally drives cross-selling. The relationship managers aren't just selling deposits; they are connecting clients to a complete line of services. This diversification includes trust and investment, insurance, premium financing, and equipment leasing solutions offered through subsidiaries. The company offers services through Peoples Bank (which includes Peoples Investment Services, Peoples Premium Finance, and North Star Leasing) and Peoples Insurance Agency, LLC, plus Vantage Financial, LLC. This breadth allows for tailoring solutions as a client's financial needs evolve.

Salesforce CRM system for enhanced customer engagement

To manage this complexity and maintain a unified view, Peoples Bancorp Inc. has invested in technology. They leverage the Salesforce platform, specifically Salesforce Financial Services Cloud, for their retail, wealth, mortgage, treasury management, and business banking sales teams. The goal was to break down data silos and create a single source of reference across departments. This technology integration has had a tangible impact on efficiency; for example, the integration with nCino helped reduce the commercial loan application to close time by 20 days. Furthermore, the marketing team uses Salesforce Marketing Cloud Personalization to enhance member engagement with personalized offers.

Self-service digital channels for routine transactions and account management

While relationship management handles complex needs, routine transactions rely on digital access. The bank offers Online Banking and Mobile Banking to keep pace with emerging technologies. The success in retaining and growing core customer relationships is visible in the deposit trends; customer deposits, which exclude brokered deposits, increased by $19.5 million during the third quarter of 2025. This suggests that the digital channels are effectively supporting day-to-day account management for the existing customer base.

Here's a quick look at the scale of the customer base and service footprint as of late 2025:

Metric	Value	Date/Context
Total Assets	$9.62 billion	September 30, 2025
Total Locations	145	As of September 30, 2025
Full-Service Bank Branches	127	As of September 30, 2025
Customer Deposit Growth (Non-Brokered)	$19.5 million increase	Q3 2025
Commercial Loan Application Time Reduction	20 days	Attributed to Salesforce/nCino integration

The platform is built to give sales teams visual dashboards for rapid decision-making. Having access to real-time data has been transformational for engagement. Finance: draft 13-week cash view by Friday.

Peoples Bancorp Inc. (PEBO) - Canvas Business Model: Channels

You're looking at how Peoples Bancorp Inc. gets its value proposition-a complete line of banking, trust, investment, insurance, and leasing solutions-into the hands of its community and business clients. The channel strategy here is clearly weighted toward a strong physical presence, which is typical for a bank focused on community impact, but it's definitely layered with digital support.

The core of the physical channel is the branch network. As of the second quarter of 2025, Peoples Bancorp operated a total of 145 locations across its footprint, which includes a significant number of brick-and-mortar service points. Specifically, you see 127 full-service bank branches serving customers in Ohio, West Virginia, Kentucky, Virginia, Maryland, and Washington D.C.. This network is the primary touchpoint for many core banking services.

To support this physical footprint and serve clients who prefer remote access, Peoples Bancorp maintains its digital channels. The firm relies on online banking portals and mobile applications for both consumer and business clients. While I don't have the exact 2025 adoption rates, management has been focused on ongoing digital transformation, which suggests these platforms are critical for transaction processing and service delivery, especially given the mention of vulnerability in these systems in recent disclosures.

For specialized financial needs, Peoples Bancorp deploys dedicated sales expertise through distinct subsidiary channels. This is where the bank moves beyond standard deposits and loans into more complex services. The structure supports direct client engagement for these specific offerings.

Here's a quick look at the scale of the operation supporting these channels as of late 2025:

Channel Component	Metric	Value (As of Late 2025)	Reporting Date
Full-Service Bank Branches	Number of Locations	127	June 30, 2025
Total Physical Locations	Number of Locations	145	June 30, 2025
Total Assets Supported	Total Assets	$9.6 billion	September 30, 2025
Investment Services	Assets Under Management (AUM)	$0.82 billion	Q3 2025

The specialized service delivery is segmented across several key areas, ensuring that clients seeking wealth management or specialized financing have a direct line to the relevant experts. These are the dedicated points of contact for non-standard banking products:

• Peoples Investment Services offices, which manage approximately $0.82 billion in assets as of Q3 2025.
• Peoples Insurance Agency offices, handling insurance solutions.
• Specialized sales teams supporting equipment leasing through North Star Leasing.
• Specialized sales teams supporting premium financing through Peoples Premium Finance.

Finally, the ubiquitous access points are maintained through the ATM network and participation in third-party payment networks. While I don't have the exact 2025 ATM count, these are essential for transactional convenience outside of branch hours. The bank also explicitly notes that insurance and investment products are NOT FDIC INSURED and are SUBJECT TO RISK AND MAY LOSE VALUE, a critical disclosure tied directly to how these specific channels communicate their offerings.

Finance: draft 13-week cash view by Friday.

Peoples Bancorp Inc. (PEBO) - Canvas Business Model: Customer Segments

You're looking at how Peoples Bancorp Inc. structures its client base as of late 2025. This isn't just about who they serve, but the scale of those relationships based on the latest figures from September 30, 2025.

Consumer Banking: Individuals and families needing traditional deposits and mortgages

This is the core funding engine for Peoples Bancorp Inc. As of the third quarter of 2025, a significant portion of their funding base comes from this segment. You see 77% of their total deposits are classified as retail deposits, covering both individual consumers and small businesses. $7.6 billion was the total period-end deposit balance at September 30, 2025. The typical individual relationship is relatively modest, with the average retail customer deposit relationship standing at $26,000. To be fair, the median relationship is much smaller, at just $2,600, which really shows the broad base they maintain. Still, a notable amount of this funding is not fully protected by the government insurance; 27% of total deposit balances exceeded the FDIC limit as of that date.

Business Banking: Small to medium-sized enterprises (SMEs) and corporate clients

SMEs are grouped within that 77% retail deposit figure, but their lending activity is a key driver of asset growth. Peoples Bancorp Inc. saw its total loan and lease balances increase at an 8% annualized rate compared to June 30, 2025, showing strong demand from commercial borrowers. The loan-to-deposit ratio stood at a tight 88% at the end of the third quarter of 2025, indicating that a large part of their deposit base is being put to work in loans. This segment is served across their 145 total locations, including 127 full-service bank branches across Ohio, West Virginia, Kentucky, Virginia, Washington D.C., and Maryland.

Commercial Real Estate (CRE) developers and investors

CRE is a material part of the loan book, but Peoples Bancorp Inc. appears to be managing its concentration carefully. Owner-occupied commercial real estate specifically represents 29% of the total loan portfolio as of the third quarter of 2025. They also hold a specific balance in commercial office space, which totaled $184 million, making up 2.7% of total loans. The bank emphasizes its disciplined credit practice, noting that 99.0% of the loan portfolio was considered current as of September 30, 2025.

High-Net-Worth Individuals (HNWIs) utilizing wealth management and trust services

This segment is captured by the wealth and trust division, which Peoples Bancorp Inc. reports under Assets Under Administration & Management (AUA/M). As of September 30, 2025, the total AUA/M figure was $4.1 billion. This service line, which includes Peoples Investment Services, is a key component of their non-interest income generation, supporting the overall business model beyond traditional lending and deposit-taking.

Commercial clients requiring specialized equipment leasing (North Star Leasing)

North Star Leasing is explicitly mentioned as a division of Peoples Bank, serving commercial clients with equipment financing solutions. While it contributes to the overall loan and lease balances, its recent activity showed a slight contraction; the North Star leases balance decreased by $13.9 million during the second quarter of 2025. This segment is part of the bank's strategy to offer a complete line of financial solutions.

Here's a quick look at the balance sheet context supporting these customer groups as of September 30, 2025:

Metric	Amount	Context
Total Assets	$9.6 billion	Overall size of the firm.
Total Deposits	$7.6 billion	Primary funding source from Consumer/Business Banking.
Loan-to-Deposit Ratio	88%	Indicates loan deployment relative to core funding.
Assets Under Admin & Mgmt	$4.1 billion	Size of the Wealth Management/Trust segment.
Owner-Occupied CRE Loans	29% of total loans	Largest single component of the loan portfolio.

The customer base is clearly segmented across funding (deposits) and deployment (loans/leases), with the retail/SME base providing the bulk of the former, and specialized commercial/CRE lending driving the latter.

• Retail Deposits (Consumer & Small Business): 77% of total deposits.
• Average Retail Deposit Relationship: $26,000.
• Loan Portfolio Current Status: 99.0% of loans current.
• Total Locations: 145.

Finance: draft 13-week cash view by Friday.

Peoples Bancorp Inc. (PEBO) - Canvas Business Model: Cost Structure

You're looking at the expense side of Peoples Bancorp Inc.'s operations as of late 2025. The cost structure is dominated by funding costs, operating overhead, and reserving for potential credit issues.

The most significant funding cost is the interest expense paid on customer deposits and borrowings. For the third quarter of 2025, Peoples Bancorp reported a total interest expense of $41.5 million, which offset the total interest income of $132.8 million to yield a net interest income of $91.3 million.

Operating costs are substantial, falling under non-interest expense. The total non-interest expense for the third quarter of 2025 was reported at $69.9 million. This figure covers personnel, branch operations, technology, and general administrative overhead. Management noted that for the first nine months of 2025, non-interest expenses grew by $7,700,000 or 4 percent compared to the same period in 2024, driven by higher salaries, employee benefits, data processing, and software expenses.

Here's a quick look at the key cost line items for Q3 2025:

Cost Component	Q3 2025 Amount (Millions)	Context
Total Interest Expense	$41.5	Cost of funding deposits and borrowings.
Total Non-Interest Expense	$69.9	Covers personnel, operations, technology, and G&A.
Provision for Credit Losses	$7.3	Reserving for expected credit losses under the CECL model.
Adjusted Non-Interest Expense	$67.7	Total non-interest expense after adjusting for amortization of other intangible assets.

The bank sets aside capital for potential loan problems through the provision for credit losses. Peoples Bancorp recorded a provision for credit losses of $7.3 million for the third quarter of 2025. This was a significant decrease from the $16.6 million provision taken in the linked second quarter of 2025. The allowance for credit losses as a percentage of total loans was 1.11% at quarter-end.

General administrative costs, which include regulatory compliance and marketing, are embedded within the total non-interest expense. Specifically, marketing expenses saw an increase of $0.3 million compared to the linked quarter. The overall decrease in total non-interest expense of $0.5 million from the linked quarter was primarily due to lower professional fees (down $0.8 million) and lower other non-interest expense (down $0.6 million).

You should track the following specific cost drivers:

• Technology and data processing costs: Higher data processing and software expenses contributed to the year-to-date non-interest expense growth.
• Personnel and Branch Operations: These form the bulk of the $69.9 million total non-interest expense.
• Regulatory Compliance: A component of general administrative costs, subject to ongoing regulatory demands.
• Marketing Expenses: Increased by $0.3 million in Q3 2025 versus the linked quarter.
• Professional Fees: Decreased by $0.8 million in Q3 2025 versus the linked quarter, helping lower overall costs.

The efficiency ratio for Peoples Bancorp improved to 57.1% in Q3 2025, down from 59.3% in the linked quarter, which shows better cost management relative to revenue generation. Finance: draft 13-week cash view by Friday.

Peoples Bancorp Inc. (PEBO) - Canvas Business Model: Revenue Streams

The revenue generation for Peoples Bancorp Inc. (PEBO) in late 2025 is firmly rooted in its core banking activities, supplemented by a commitment to diversified fee-based services, which contributes to a fee income ratio of 24% for the first nine months of 2025. Total Revenue for the third quarter of 2025 was reported at $115.18 million.

The primary revenue driver remains the interest earned on its balance sheet, supported by robust loan growth across its operating footprint in Ohio, Kentucky, West Virginia, Virginia, Washington D.C., and Maryland.

Revenue Component	Q3 2025 Amount	Context/Comparison
Net Interest Income (NII)	$91.3 million	Increased $3.8 million, or 4%, versus the linked quarter.
Total Non-Interest Income	$23.8 million	Represents 20.7% of the reported $115.18 million total revenue.
Net Interest Margin (NIM)	4.16%	Up from 4.15% for the linked quarter.

The Non-Interest Income stream is derived from several fee-based services, reflecting Peoples Bancorp Inc.s' strategy for greater revenue diversity than the average $1-$10 billion bank. While the total for Q3 2025 was $23.8 million, the year-over-year changes in key fee categories provide insight into the revenue mix shifts.

• Trust and investment income (Wealth management, trust, and investment advisory fees): Increased by $0.5 million compared to the third quarter of 2024, driven by an increase in assets under administration and management.
• Lease income (Equipment leasing revenue): Increased by $0.6 million compared to the third quarter of 2024.
• Bank Owned Life Insurance (BOLI) income (Insurance premiums component): Increased by $0.7 million compared to the third quarter of 2024.
• Electronic banking income (including debit card interchange fees): Increased by $0.3 million compared to the linked quarter (Q2 2025).
• Deposit account service charges: Decreased by $0.7 million compared to the third quarter of 2024.
• Mortgage banking income: Decreased by $0.8 million compared to the third quarter of 2024.