Peoples Bancorp Inc. (PEBO): Modelo de negócios Canvas [Jan-2025 Atualizado]

Mergulhe no plano estratégico da Peoples Bancorp Inc. (PEBO), uma instituição financeira regional dinâmica que transforma o banco tradicional por meio de um modelo de negócios meticulosamente criado. Ao misturar perfeitamente a experiência da comunidade localizada com as tecnologias digitais de ponta, a Pebo projetou uma abordagem abrangente que serve diversos segmentos de clientes-de pequenas empresas a indivíduos de alta rede-enquanto mantêm um compromisso focado em laser com soluções financeiras personalizadas e serviço inovador entrega. Esse modelo de modelo de negócios intrincado revela como o Pebo navega no cenário bancário complexo, criando valor por meio de parcerias estratégicas, recursos robustos e uma metodologia centrada no cliente que as diferencia no mercado de serviços financeiros competitivos.

Peoples Bancorp Inc. (PEBO) - Modelo de negócios: Parcerias -chave

Redes de negócios locais e regionais

A Peoples Bancorp Inc. mantém parcerias estratégicas com as câmaras locais de associações de comércio e negócios em Ohio e nos estados vizinhos.

Tipo de parceria	Número de parcerias ativas	Cobertura geográfica
Câmara de Comércio local	17	Ohio, Virgínia Ocidental, Kentucky
Redes de negócios regionais	8	Região do meio -oeste

Organizações de investimento comunitário

O banco colabora com organizações sem fins lucrativos para apoiar iniciativas de desenvolvimento comunitário.

• Fundo de Reinvestimento da Comunidade: US $ 4,2 milhões alocados em 2023
• Parcerias de desenvolvimento de pequenas empresas: 42 colaborações ativas
• Conselhos de Desenvolvimento Econômico: 6 parcerias estratégicas

Provedores de serviços de tecnologia

A Peoples Bancorp Inc. faz parceria com empresas de tecnologia para aprimorar os recursos bancários digitais.

Parceiro de tecnologia	Serviço prestado	Valor do contrato
Jack Henry & Associados	Software bancário principal	US $ 3,1 milhões anualmente
Fiserv	Plataforma bancária digital	US $ 2,7 milhões anualmente

Colaboradores de seguros e serviços financeiros

Parcerias estratégicas com provedores de seguros e serviços financeiros.

• Parcerias de seguros: 9 fornecedores ativos
• Colaborações de gestão de patrimônio: 5 alianças estratégicas
• Receita total de referência: US $ 6,3 milhões em 2023

Parceiros de conformidade regulatória

As parcerias se concentraram em manter a conformidade regulatória e o gerenciamento de riscos.

Parceiro de conformidade	Serviço especializado	Investimento anual
Empresa de consultoria da AML/BSA	Serviços de lavagem de dinheiro	US $ 1,2 milhão
Provedor de tecnologia regulatória	Monitoramento de conformidade	$890,000

Peoples Bancorp Inc. (PEBO) - Modelo de negócios: Atividades -chave

Serviços bancários comerciais e pessoais

Total de ativos a partir do quarto trimestre 2023: US $ 12,1 bilhões

Categoria de serviço	Volume total	Penetração de mercado
Contas de corrente comercial	8.742 contas	37% de participação de mercado regional
Contas de poupança pessoal	126.354 contas	42% de participação de mercado regional

Originação e gestão de empréstimos

Portfólio de empréstimos totais: US $ 9,3 bilhões

• Empréstimos comerciais: US $ 5,6 bilhões
• Empréstimos hipotecários residenciais: US $ 2,7 bilhões
• Empréstimos ao consumidor: US $ 1,0 bilhão

Desenvolvimento da plataforma bancária digital

Métrica da plataforma digital	2023 desempenho
Usuários bancários móveis	214.000 usuários ativos
Volume de transações online	3,2 milhões de transações mensais

Conselho financeiro e gestão de patrimônio

Ativos sob gestão: US $ 1,8 bilhão

• Contas de investimento individuais: 12.354
• Serviços de planejamento de aposentadoria: 8.742 clientes

Gerenciamento de riscos e monitoramento de conformidade

Orçamento de conformidade: US $ 4,2 milhões anualmente

Área de conformidade	Investimento anual
Tecnologia regulatória	US $ 1,5 milhão
Sistemas de auditoria interna	US $ 1,2 milhão
Infraestrutura de segurança cibernética	US $ 1,5 milhão

Peoples Bancorp Inc. (PEBO) - Modelo de negócios: Recursos -chave

Forte infraestrutura bancária regional

A partir do quarto trimestre 2023, a Peoples Bancorp Inc. opera 108 centros bancários em Ohio, Kentucky, Virgínia Ocidental e Virgínia. Total de ativos: US $ 8,4 bilhões. Base de depósito: US $ 6,9 bilhões.

Região	Número de centros bancários	Total de ativos
Ohio	72	US $ 5,6 bilhões
Kentucky	12	US $ 1,2 bilhão
Virgínia Ocidental	14	US $ 1,1 bilhão
Virgínia	10	US $ 500 milhões

Equipe de gestão financeira experiente

Equipe de liderança com experiência bancária média de 22 anos. Compensação de executivos em 2023: US $ 6,2 milhões.

• CEO Charles Lamonte: 28 anos de experiência bancária
• CFO Mark Muth: 19 anos de liderança financeira
• Diretor de Risco: 25 anos de experiência em gerenciamento de riscos

Tecnologia Bancária Digital Avançada

Investimento em tecnologia em 2023: US $ 18,3 milhões. A plataforma bancária digital serve 65% da base de clientes.

Serviço digital	Porcentagem do usuário
Mobile Banking	52%
Bancos online	65%
Pedidos de empréstimo digital	38%

Portfólio de produtos financeiros diversificados

A gama de produtos inclui serviços comerciais, bancários pessoais, gerenciamento de patrimônio e seguros.

• Empréstimos comerciais: US $ 3,2 bilhões
• Produtos bancários pessoais: 42 tipos de conta diferentes
• Ativos de gerenciamento de patrimônio: US $ 1,5 bilhão
• Receita dos Serviços de Seguros: US $ 42 milhões em 2023

Banco de dados robusto de relacionamento com o cliente

Métricas de banco de dados de clientes a partir de 2023:

Métrica	Valor
Total de clientes	287,000
Valor médio do relacionamento do cliente	$24,500
Taxa de retenção de clientes	87%

Peoples Bancorp Inc. (PEBO) - Modelo de negócios: proposições de valor

Soluções bancárias personalizadas

A partir do quarto trimestre 2023, a Peoples Bancorp Inc. oferece soluções bancárias personalizadas com uma carteira de empréstimos total de US $ 4,76 bilhões e ativos totais de US $ 6,24 bilhões.

Tipo de serviço	Segmento de clientes	Tamanho médio da conta
Bancos pessoais	Indivíduos	$87,500
Banking de negócios	Pequenas a médias empresas	$325,000

Taxas de juros competitivas

Taxas de juros dos principais produtos bancários em janeiro de 2024:

• Conta de poupança: 3,25%
• Conta de corrente: 1,75%
• Empréstimo pessoal: 7,45%
• Taxas de hipoteca: 6,85%

Experiência no mercado local

As pessoas Bancorp opera em 12 municípios de Ohio, com 106 locais bancários e 134 caixas eletrônicos.

Serviços financeiros abrangentes

Categoria de serviço	Ofertas de produtos	Receita anual
Bancos pessoais	12 tipos de conta	US $ 98,3 milhões
Banking de negócios	8 tipos de conta de negócios	US $ 147,6 milhões
Serviços de investimento	5 produtos de investimento	US $ 42,5 milhões

Abordagem bancária focada na comunidade

Métricas de investimento comunitário para 2023:

• Empréstimos da comunidade local: US $ 612 milhões
• Empréstimos para pequenas empresas: US $ 287 milhões
• Investimentos de desenvolvimento comunitário: US $ 45,2 milhões

Peoples Bancorp Inc. (PEBO) - Modelo de Negócios: Relacionamentos do Cliente

Atendimento ao cliente personalizado

A partir de 2024, a Peoples Bancorp Inc. mantém 108 locais bancários de serviço completo em Ohio, Kentucky e Virgínia Ocidental. Os representantes do atendimento ao cliente tiveram uma média de 4,2/5 de satisfação do cliente no relatório anual mais recente.

Estratégia de gerenciamento de relacionamento

Segmento de clientes	Abordagem de gerenciamento de relacionamento	Taxa de engajamento anual
Bancos pessoais	Gerentes de relacionamento dedicados	67.3%
Banking de negócios	Revisões de negócios trimestrais	53.6%
Gestão de patrimônio	Consulta financeira personalizada	82.1%

Canais de interação digital e pessoal

• Aplicativo bancário móvel: 124.567 usuários ativos
• Plataforma bancária on -line: 87,4% dos clientes ativamente envolvidos
• Serviços no ramo: 42 visitas médias diárias de ramificação por local
• Suporte de call center: 92,6% Taxa de resolução de primeira linha

Programas de fidelidade do cliente

O programa de recompensas do Banco das Peoles inclui:

Nível de programa	Inscrição anual	Benefícios médios
Recompensas básicas	38.214 clientes	Rethback anual de US $ 75
Recompensas premium	12.567 clientes	Rethback anual de US $ 250

Recursos de Educação Financeira

• Oficinas financeiras on -line: 4.236 participantes em 2023
• Sessões de aconselhamento de crédito gratuitas: 1.872 sessões realizadas
• Plataforma de alfabetização financeira digital: 67.890 usuários registrados

Peoples Bancorp Inc. (PEBO) - Modelo de Negócios: Canais

Rede de agência bancária física

A partir de 2024, a Peoples Bancorp Inc. opera 104 escritórios bancários em Ohio e Virgínia Ocidental. Detalhes da distribuição de ramificação:

Estado	Número de ramificações
Ohio	87
Virgínia Ocidental	17

Plataforma bancária online

Os recursos bancários digitais incluem:

• Gerenciamento de contas
• Serviços de pagamento da conta
• Transferências de fundos
• States eletrônicos

Aplicativo bancário móvel

Recursos de aplicativo móvel:

• Depósito de cheque móvel
• Alertas de conta em tempo real
• Controles de cartão
• Pagamentos ponto a ponto

Serviços bancários telefônicos

Sistema de banco de telefone automatizado 24/7 com 24/7 com Suporte de atendimento ao cliente disponível durante o horário comercial.

Rede ATM

Tipo de atm	Contagem total
Caixas eletrônicos proprietários	76
Caixas eletrônicos de rede	Mais de 30.000 em todo o país

Peoples Bancorp Inc. (PEBO) - Modelo de negócios: segmentos de clientes

Pequenas e médias empresas

A partir do quarto trimestre de 2023, as pessoas Bancorp atendem a aproximadamente 3.750 clientes comerciais pequenos e médios em Ohio e estados vizinhos. Portfólio total de empréstimos comerciais para este segmento: US $ 487,3 milhões.

Métricas de segmento de negócios	Valor
Empréstimos comerciais totais	US $ 487,3 milhões
Número de clientes comerciais	3,750
Tamanho médio do empréstimo	$129,947

Clientes bancários de varejo individuais

As pessoas Bancorp mantêm 126.500 clientes bancários pessoais em 31 de dezembro de 2023. Contas de depósito pessoal totalizam US $ 2,1 bilhões.

• Contas de corrente de varejo: 89.300
• Contas de poupança: 37.200
• Saldo médio da conta pessoal: US $ 16.750

Profissionais da comunidade local

O segmento profissional representa 22% da base total de clientes, com presença concentrada nos setores de saúde, educação e governo local.

Quebra de segmento profissional	Percentagem
Profissionais de saúde	9.4%
Setor educacional	7.2%
Funcionários do governo local	5.4%

Clientes do setor agrícola

Portfólio de empréstimos agrícolas: US $ 215,6 milhões, atendendo a 1.250 clientes comerciais agrícolas e agrícolas nos mercados rurais de Ohio.

• Empréstimos agrícolas totais: US $ 215,6 milhões
• Número de clientes agrícolas: 1.250
• Tamanho médio do empréstimo agrícola: US $ 172.480

Indivíduos de alta rede

O segmento de gerenciamento de patrimônio inclui 2.100 clientes de alta rede com ativos combinados sob gerenciamento de US $ 624,5 milhões.

Métricas de segmento de alta rede	Valor
Total de clientes	2,100
Ativos sob gestão	US $ 624,5 milhões
Portfólio médio de clientes	$297,381

Peoples Bancorp Inc. (PEBO) - Modelo de negócios: estrutura de custos

Despesas de ramificação operacional

A partir do quarto trimestre de 2023, a Peoples Bancorp Inc. relatou despesas operacionais totais relacionadas à filial de US $ 42,3 milhões anualmente.

Categoria de despesa	Custo anual ($)
Aluguel e ocupação	15,600,000
Utilitários	3,750,000
Manutenção	5,200,000
Segurança da filial	2,850,000

Investimentos de infraestrutura de tecnologia

Os investimentos em infraestrutura de tecnologia para 2023 totalizaram US $ 18,7 milhões.

• Atualizações do sistema bancário principal: US $ 7.500.000
• Aprimoramentos de segurança cibernética: US $ 4.200.000
• Plataforma bancária digital: US $ 3.900.000
• Infraestrutura de rede e hardware: US $ 3.100.000

Compensação dos funcionários

A compensação total dos funcionários em 2023 foi de US $ 127,6 milhões.

Categoria de compensação	Valor ($)
Salários da base	89,320,000
Bônus de desempenho	22,680,000
Benefícios e seguro	15,600,000

Custos de conformidade regulatória

As despesas anuais de conformidade regulatória para 2023 foram de US $ 9,4 milhões.

• Equipe legal e de conformidade: US $ 4.500.000
• Despesas de auditoria e relatório: US $ 2.800.000
• Tecnologia regulatória: US $ 2.100.000

Despesas de marketing e aquisição de clientes

Os custos de marketing e aquisição de clientes para 2023 totalizaram US $ 6,2 milhões.

Canal de marketing	Despesa ($)
Marketing digital	2,450,000
Publicidade tradicional	1,850,000
Patrocínio da comunidade	1,200,000
Programas de aquisição de clientes	700,000

Peoples Bancorp Inc. (PEBO) - Modelo de negócios: fluxos de receita

Receita de juros de empréstimos

Para o ano fiscal de 2023, a Peoples Bancorp Inc. relatou receita total de juros de US $ 286,7 milhões. A repartição da receita de juros do empréstimo foi a seguinte:

Categoria de empréstimo	Receita de juros ($ m)
Empréstimos comerciais	142.3
Empréstimos ao consumidor	87.5
Empréstimos imobiliários	56.9

Taxas de serviço bancário

As taxas de serviço bancário para 2023 totalizaram US $ 45,2 milhões, com a seguinte composição:

• Taxas de manutenção de conta: US $ 18,6 milhões
• Taxas de cheque especial: US $ 12,7 milhões
• Taxas de transação ATM: US $ 7,3 milhões
• Taxas de transferência de fio: US $ 6,6 milhões

Serviços de investimento e gerenciamento de patrimônio

A receita dos serviços de investimento e gerenciamento de patrimônio em 2023 foi de US $ 37,8 milhões, incluindo:

Categoria de serviço	Receita ($ m)
Gestão de ativos	22.5
Aviso financeiro	9.3
Serviços de corretagem	6.0

Taxas de transação

As taxas de transação para 2023 totalizaram US $ 23,6 milhões, distribuídas da seguinte forma:

• Transações de cartão de débito: US $ 12,4 milhões
• Processamento de cartão de crédito: US $ 6,9 milhões
• Serviços de pagamento eletrônico: US $ 4,3 milhões

Produtos de hipoteca e empréstimos

As receitas de produtos de hipoteca e empréstimos para 2023 atingiram US $ 52,4 milhões:

Tipo de produto	Receita ($ m)
Taxas de originação hipotecária	28.7
Taxas de manutenção de hipotecas	15.2
Taxas de originação de empréstimos	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.