Peoples Bancorp Inc. (NASDAQ: PEBO) reported total assets of USD 9.6 billion as of the fourth quarter (Q4) ended December 31, 2025. Deposits stood at USD 7.6 billion and total loans reached USD 6.8 billion for the period. Assets under administration and management totaled USD 4.1 billion. The company’s market capitalization was USD 1.1 billion at the end of the quarter. Peoples Bancorp maintained a strong retail deposit base, with 78 percent of deposits coming from consumers and small businesses. The average retail customer deposit relationship was USD 26,000, while the median was USD 2,600. As of December 31, 2025, 26 percent of deposit balances exceeded FDIC insurance limits, or 18 percent excluding collateralized governmental deposits. Asset quality remained stable, with non-performing assets at 0.44 percent of total assets and 98.6 percent of the loan portfolio classified as current. The total outstanding balance of commercial office space loans was USD 178 million, representing 2.6 percent of total loans. Year-to-date net charge-offs to average loans stood at 0.45 percent. Peoples Bancorp continued its focus on disciplined execution and efficiency, highlighting its integrated enterprise risk management process and relatively neutral interest rate risk position. The bank has increased its dividend payout for 10 consecutive years, with a payout ratio target of 40 to 50 percent under normal operating conditions. Based on the January 16, 2026 closing share price of USD 31.21, the annualized dividend yield was 5.25 percent. The company reported strong, diverse sources of fee income, including a top 10 bank-owned insurance agency and a wealth management business with USD 4.1 billion in assets under administration and management. Peoples Bancorp also emphasized its proven acquisition and integration capabilities and scalable infrastructure to support future growth. As of the end of Q4 2025, the company operated 126 full-service branches.

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