Peoples Bancorp Inc. (NASDAQ: PEBO) is a financial holding company that provides commercial and consumer banking, trust and investment, insurance, equipment financing, and insurance premium financing services through its subsidiaries. Revenue is generated primarily through net interest income on loans and deposits, supplemented by fee income from trust, investment, and insurance services. Peoples operates principally through Peoples Bank, an Ohio state-chartered bank first chartered in 1902, and through Vantage Financial, LLC, a nationwide provider of equipment financing, and Peoples Insurance Agency, LLC. The holding company was organized in 1980. Peoples Bank offers demand deposit accounts, savings accounts, money market accounts, certificates of deposit, commercial loans, residential real estate loans, home equity lines of credit, consumer loans, and overdraft services. Vantage provides commercial and technology equipment financing on a nationwide basis.

Revenue model

Net interest income from commercial loans, residential real estate loans, consumer loans, and deposit products, combined with fee-based income from trust and investment services, insurance agency operations, insurance premium financing, and equipment leasing and financing agreements.

Products and services

Demand deposit accounts, savings accounts, money market accounts, certificates of deposit, governmental deposits, commercial loans, residential real estate loans, home equity lines of credit, consumer loans, overdraft services, insurance premium financing, commercial equipment financing, technology equipment financing, debit and ATM cards, trust and investment services, and insurance products offered through Peoples Insurance Agency and Vantage Financial.

Customers and end markets

Commercial and consumer banking customers, businesses requiring equipment financing, clients seeking trust and investment services, and customers needing insurance products and premium financing. Nationwide equipment financing customers served through Vantage Financial.

Value-chain role

Direct financial services provider and lender. Peoples Bank originates and holds loans, accepts deposits, and distributes insurance and investment products. Vantage Financial originates equipment financing agreements nationwide.

Geographic exposure

Primarily Ohio-based community banking operations through Peoples Bank, with nationwide reach in equipment financing through Vantage Financial, LLC.

Source: SEC 10-K, filed 2026-02-26

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