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Dec 31, 2025
Peoples Bancorp Q4 2025 Earnings Report
Peoples Bancorp reported strong Q4 2025 results with higher net income and improved non-interest income across multiple segments.
Key Takeaways
Peoples Bancorp delivered solid Q4 2025 results, with net income rising to $31.8M and growth in trust, lease, and mortgage banking income. Net interest margin slightly declined, and expenses rose modestly.
Net income rose to $31.8M in Q4 2025, up from $26.9M in Q4 2024.
EPS increased to $0.89 from $0.76 in the prior year quarter.
Lease income jumped to $4.29M, a $1.07M YoY increase.
Efficiency ratio improved YoY to 57.8% from 59.6%.
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
Peoples Bancorp expects continued loan growth and stable net interest margin but remains cautious about economic headwinds and credit quality.
Positive Outlook
- Loan and lease balances grew by $28.2M during Q4.
- Criticized loans decreased by $31.9M QoQ.
- Nonperforming assets fell 5% QoQ.
- Trust and investment income rose $0.7M YoY.
- Efficiency ratio improved YoY.
Challenges Ahead
- Net interest margin declined to 4.12%.
- Provision for credit losses increased to $8.1M.
- Cash and cash equivalents fell $28.7M YoY.
- Lease charge-offs contributed $5.3M to total.
- Non-interest expense rose $1.4M QoQ.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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