Peoples Bancorp (PEBO) Investor presentation summary

Strategic vision and culture

• Aims to be the best community bank in America, guided by core values of client focus, integrity, respect, community commitment, leadership, and excellence.

• Strategic priorities include superior shareholder returns, client-centric service, workplace excellence, and community impact.

Financial and operational highlights

• As of March 31, 2026: $9.6B in assets, $7.6B in deposits, $6.8B in loans, $4.0B in assets under management, and $1.2B market cap.

• Q1 2026 net income was $29M ($0.81 per diluted share), ROAA 1.23%, net interest margin 4.16%, efficiency ratio 58.6%.

• Tangible book value per share grew to $22.95; loan-to-deposit ratio at 88.5%.

Business model and growth

• Holds top 3 deposit market share in 36 counties, with strong rural and urban presence.

• Diverse fee income sources: insurance, wealth management, equipment leasing, and premium finance; fee income ratio at 24% in Q1 2026.

• Proven M&A track record with 12 acquisitions since 2011 and scalable infrastructure for growth.