Peoples Bancorp is a community bank holding company headquartered in Ohio that operates through its primary subsidiary, Peoples Bank. Peoples offers traditional banking products — commercial and consumer loans, deposits, and treasury services — to individuals, small businesses, and mid-market commercial clients across Ohio, Kentucky, West Virginia, Virginia, Maryland, and Washington, D.C., through over 125 branch offices. The loan portfolio skews commercial, with commercial real estate and C&I loans together comprising the majority of total loans. Beyond core banking, Peoples operates several national specialty businesses: insurance premium finance (originated through independent agency partners nationwide), small-ticket and mid-market equipment leasing (through North Star Leasing and Vantage Financial), an insurance agency, and wealth management and trust services. Peoples earns primarily through net interest income, with a NIM around 4%, and targets a near-neutral interest rate sensitivity position. Fee income — led by lease income, trust and investment fees, and insurance commissions — rounds out the revenue mix. Peoples is approaching the $10B asset threshold that triggers additional regulatory requirements, including Durbin Amendment interchange caps, and management intends to cross that threshold only in conjunction with a bank acquisition in the $3-5B asset range rather than organically. The small-ticket leasing business has been a source of elevated credit losses recently, though management is shrinking the higher-risk portion of that portfolio and expects charge-offs to normalize.