The Peoples Bank Co. Location and Branch Information

Coldwater – Main Branch – Census Tract 9677
112-114 W. Main St 
419-678-2385

Coldwater – North Street Branch – Census Tract 9677
*405 W. North St
419-678-8701 – Not a loan production office

Celina – Logan Street Branch – Census Tract 9675
309 W. Logan St
419-586-6555

Celina – Wayne Street Branch – Census Tract 9675
818 E. Wayne St
419-586-9910

Burkettsville Branch – Census Tract 5001
11 E. Main St
419-375-4793

Rockford Branch
Census Tract 9672
100 N. Main St
419-363-9779

St. Marys Branch – Census Tract – 412.02
1510 Kishler Dr
419-394-0777                           

Toll Free 1-866-PBC BANK

pbc.bank

Hours

Monday – Wednesday……. 8:00 – 5:00

Thursday

   Main, Rockford & Burkettsville………………. 8:00 – Noon

   All other offices…………… 8:00 – 5:00 

Friday……………………………. 8:00 – 5:00

Saturday………………………. 8:00 – Noon

  Burkettsville & Rockford….. CLOSED

*All location are both Deposit and Loan production offices except Coldwater’s North Street location.

Branch Closures 
The Peoples Bank Co. had no branch offices closed.

ATM LOCATIONS

Coldwater (CT 9677)

Coldwater Mall – 130 Terrace Ave.

North St. Office – 405 W. North St.

*Briarwood Village – 100 Desch Dr.

*Easy Wash – 835 W Main St

Celina (CT 9674-9676)

Logan St. Office – 309 W. Logan St.

Wayne St. Office – 818 E. Wayne St.

Burkettsville (CT 5001 & 9679)

Burkettsville Office – 11 E. Main St.

Rockford (CT 9672)

Rockford Office – 100 N. Main St.

St. Marys (CT 405, 406, 412.01 & 412.02)

St. Marys Office – 1510 Kishler Dr.

*Laco Laundry – 1955 Celina Rd

*Otterbein – 11230 ST RT 364

 Ft. Recovery (CT9680)

*Thobe’s Carry Out – 406 Greenville Rd.

Mendon (CT 9672)

Coming in 2024

St. Henry (CT 9679)

*St. Henry Nite Club – 262 W. Main St.

* Indicates Cash Dispense ATM

All other ATMs are deposit-taking. 

CRA Self-Assessment for 2022

The Peoples Bank Co. – Intermediate Small Institution April 17, 2023

Intermediate Small Bank Lending Assessment includes the following:

  • Assessment Area (AA) concentration

  • Loan-to-Deposit ratio

  • Borrower profile –Geographic Distribution & Distribution of Loans by Income

  • Response to CRA-related complaints

    Community Development Assessment includes the following:

  • Number and dollar amount of community development loans

  • Qualified investments

  • Community development services

  • Responsiveness to activities needed for community development in the AA Background

    The Peoples Bank Co. is headquartered in Coldwater, Ohio. Peoples Holding Company, Inc. owns the Bank with no subsidiaries or affiliates. The Bank remains the top Mortgage Lender in the area, with 359 credit filings in 2022.

    The Bank operates seven branches in its Assessment Area in west-central Ohio. No branches have been opened or closed during 2022, and no mergers or acquisitions have occurred. Due to staffing, we have shortened the hours of two branches, Burkettsville and Rockford, to eliminate Saturday hours.

    Assets totaled approximately $800 million as of December 31, 2022, and included total loans of $317 million, a slight increase from the robust 2020 lending of $274 million.

    Assessment Area-

  • There are 16 census tracts (2022 census) in our assessment area, made up of all census tracts in Mercer County, one in Darke County, two in Van Wert County, and four in Auglaize County.

  • There are no low or moderate-income census tracts in our assessment area. There are eight upper- income census tracts, and all others are considered middle income.

  • There are no distressed or underserved tracts in our assessment area.

    2022 Demographic Information of the Assessment Area

    Demographic Characteristics – www.census.gov/quickfacts

    #

    Geographies (Census Tracts) – July 2022

    16

    Population by Geography

    Mercer

    Darke

    Auglaize

    Van Wert

    42,309

    51,597

    46,141

    28,732

    Median Household income (in 2021 dollars) 2017-2021

    68,692

    57,440

    69,315

    59,210

     

    Businesses

    Total Employer Establishments per County

    1027

    1136

    975

    541

    Below illustrates the historical unemployment rates of the counties in our AA and the State of Ohio from Ohiolmi.com.

    Unemployment Rates

    Area

    2022

    2021

    2020

    2019

    Mercer County

    2.0

    2.1

    3.4

    3.1

    Auglaize County

    2.3

    2.4

    4.0

    3.6

    Van Wert County

    2.3

    2.6

    4.6

    4.3

    Darke County

    2.6

    2.8

    4.7

    4.5

    Ohio

    3.3

    3.4

    6.1

    4.1

    There are no schools in our AA that qualify as Low-Moderate income districts. The Ohio Department of Education reports only the schools that provided their data for October 2022. – from Data for Free and Reduced Price Meal Eligibility | Ohio Department of Education

    School

    % of Qualified Free or Reduced Lunch Program

    Celina City Schools

    35.18%

    Coldwater Exempted Village Schools

    14.28%

    St. Marys City Schools

    21.84%

    Parkway Local Schools

    30.86%

    St. Henry Schools

    6.65%

    Marion Local Schools

    3.31%

    Ft. Recovery Local Schools

    9.80%

    Competition

  • Federally subsidized Farm Credit Services (FCS) continues offering long-term fixed rates and an attractive patronage dividend paid out to its cooperative members. Many community banks cannot offer competitive long-term fixed rates and generous patronage dividends offered by FCS due to their advantageous bond funding implicitly backed by the U.S. Government.

  • Although refinance volume slowed in 2022, local competitors have become more competitive for purchase loans with aggressive interest rate pricing.

  • With their federal income tax-exempt status, local credit unions have aggressively priced installment loans, variable-rate mortgages, and long-term fixed-rate mortgage loans.

  • Based on Exhibit D, the Bank remains the leader in credit bureau filings of Mortgage Liens.

Loan-to-Deposit Ratio

One of our CRA goals is to keep the loan to deposit ratio between 75% and 85%. As illustrated in Exhibit A, our loan to deposit ratio for 2022 decreased to 45.70% compared to 46.67% in 2021. Exhibit A also noted that when the secondary market serviced loans are added back in, the loan to deposit ratio increases to 67.90% in 2022. This is lower than 70.39% in 2021. All servicing of Freddie Mac loans is retained by the Bank and the FHLB loans, where the loan amount is 80% or less of the appraised value. These loans are offered to meet our customers’ demand for a fixed rate option. By selling the loans, the Bank’s interest rate risk is reduced. By retaining the loans’ servicing, the customer makes the payments directly to the Bank, and our personnel are here to work with them should they run into financial difficulties.

Loan Originations

The distribution of home mortgage loans to individuals of different income levels, including low and moderate income borrowers, is reasonable, as shown in Exhibit F. In 2022 an average of 8.63% of individuals in the counties within our AA had incomes below the poverty level, according to the census.gov/quikfacts.

The Bank’s lending to median or lower income borrowers in 2022 is 42.57% of the total loans made, as reflected in Exhibit FExhibit B shows how offering Home Buyers Assistance (HBA) loans in 2022 allowed the

Bank to finance mortgages for 35 customers with a total of $8,401,410.00. The Welcome Home Grant program also allowed the Bank to finance 1 customer with a $105,000.00 mortgage loan. The Bank was able to help 5 customers by referring them to Top Flite for FHA, VA, or an RD loan. These programs enable the Bank to assist customers who may fall into the low-moderate income level and may otherwise not have enough for a down payment.

Exhibit C illustrates the breakdown of loan type for 2022. The number of loans decreased slightly in 2022 to 1,144 compared to 1,896 in 2021. A slight decrease in the dollar amount of $153,052,000 in 2022 compared to 2021’s $155,001,000. Multi-family housing units (over 4 units) increased slightly, with 66 loans in 2022 at

$15,320,000 compared to 59 in 2021 at $9,084,000. Although these units may not be in low-income neighborhoods, many renters of these units are lower-income persons or families.

Small Business Loans

Commercial & Industrial loans in Exhibit C show good penetration for our AA, with 39 Real Estate loans or 3.41% for commercial use being made in 2022 and non-real estate loans of 124 or 10.84% of total loans for 2022.

Loan deferrals

The Bank has not had a loan deferred in 2022 or even through the Pandemic. All customers are able to make their payments.

Geographic Distribution of Loans in the Assessment Area

Exhibit E’s largest loan activity concentration is in the Celina and Coldwater census tracts. These tracts comprise the largest portion of the population within the Bank’s AA. Only 14.95% of loan applications came from outside the AA. This is a strong indicator that the Bank serves the AA.

Distribution of Loans by Income

Exhibit F shows the distribution of all loan applications by several income levels. A total of 672 consumer loans, of which 286 (42.57%) were made to customers whose income fell below the average median household income for our AA of $63,664. The median household income for each County in our AA is as follows.

Mercer – $68,692 Auglaize – $69,315 Darke – $57,440 Van Wert – $59,210

In 2018 we began monitoring equal credit opportunity regarding gender. In 2022, 24 Female consumers, 52 Male consumers, and 30 Joint consumers were denied credit. Of business customers, 4 were denied in 2022.

According to income, new Commercial/Farm Loans and Credit Denials show that in 2022 105 loan applications were denied. 33 of the 105 were denied due to income, according to Exhibit F.

Exhibit G indicates that in 2022, 74 of the 236 residential real estate loans were made to households with income at or below $63,665 (Median Income for the Bank’s Assessment Area). Of those, 24 were sold to the secondary market.

In 2022 23 of the agriculture loans made were to customers with income below $1,000,000. According to

Exhibit G, 89.47% of Commercial loans were made to customers with income below $500,000.

CRA-related Complaints – The Bank received one complaint in 2022 from a customer through the CFPB. The

Bank’s Compliance Officer filed a Response with the FDIC, and the case was closed.

Community Development

The Ohio Community Reinvestment Area (OH CRA) program permits municipalities or counties to designate areas where investment has been discouraged by offering property tax exemptions for any increased property valuation that would result from the renovation of existing structures or new construction activities within the area. The program encourages historic preservation, residential rehabilitation, new residential construction, and/or expansion, and new construction. Exhibit H shows that in 2022, 1 loan received a tax abatement on property used as collateral for financing with the Bank. That loan totaled $360,000.00 and is included in the 2022 Community Development Services Chart below under the Revitalize or Stabilize column.

Exhibit H shows that the Bank participated in a warehouse loan located in Lima, Ohio which falls in a Low- Income Area. Participation of $5,888,000.00 for this property will help increase job opportunities in this Low- Income area. This participation loan is also counted in the 2022 Community Development Services Chart below under Revitalize or Stabilize.

Qualified Investments

The Bank has invested in low-interest Notes and Bonds for local communities. These funds were used for various reasons, including streets, sewer, and water system improvements, maintenance vehicles, equipment purchases, and park improvements. In addition, the Bank has invested in several bonds for communities that include low to moderate-income census tracts. These investments for 2022 have a book value of $6,479,094 as shown in Exhibit I.

The Bank continues its efforts to make direct donations and sponsorships to organizations that provide assistance to low-moderate individuals. In 2022 donations we feel qualified for CRA totaled over $14,718.20. Exhibit J shows the breakdown of donations and sponsorships to organizations that we believe qualify as Community Development, Economic Development, or Affordable Housing. The Bank will continue seeking qualified donations or investments geared toward helping those with low-moderate income levels. Below is a summary of Exhibit J.

2022 Community Development Services

Affordable Housing – Exhibit B

Community Services

Economic Development

Exhibit H & J

Revitalize or Stabilize

Neighborhood Stabilization

Totals

41

22

6

2

 

71

Services

The Bank continues to add more features and services for a seamless customer experience. In 2022, Transfer Now, a Fiserv product that allows customers to transfer funds from one bank account to another bank account, was introduced. Positive Pay another Fiserv product that gives business customers more security over their accounts by requiring approval of checks and ACHs on their accounts before they go through, preventing fraudulent requests.

An overhaul of the Bank’s website, bringing it up to safe software standards and changing the website address to pbc.bank for more secure access to the Bank. The .bank is a more scrutinized address and is not easily spoofed by fraudsters.

The specialized underwriting and funding of FHA, VA, and RD loans with Top Flite have allowed the Bank to serve 5 additional customers in the mortgage market with 1 USDA and 4 FHA loans in 2022.

These loans make it possible for customers to mortgage a home with a much lower down payment than customarily required.

The Bank’s Officers are also active in the service realm, volunteering for local Kiwanis, Lions, and K of C clubs. These organizations have several programs that assist low-moderate income individuals.

Below is a breakdown of the known volunteers within the Bank and what role they play in these community organizations.

Name

Organization

Position

Jack Hartings

Mercer County Community Improvement Corp

Board Member

Mercer County Small Business Development Center

Board Member

Coldwater Community Concert Series

President

 

Steve Lefeld

Mercer Co. Joint Township Community Hospital (dba Mercer Health)

Board Member

Med Foundation

Board Member

VentureLINX

Board Member

 

Dan Broering

Mercer Co. Joint Township Community Hospital (dba Mercer Health)

Board Member

Coldwater Lions Club

Member

Financial Education Presentation @ Coldwater High School

Annual Presentation

Coldwater Community Concert Series

Vice President

 

Jeff Monfort

Resource and Opportunity Center (ROC)

Advisory Board

 

Jim Siefring

Auglaize Mercer County YMCA Foundation

Secretary/Treasurer

 

Keith Selhorst

Butler Township Zoning Appeals Committee

Member

 

Suzanne Wells

New Bremen School Board

President

 

Angie Cox

Coldwater Kiwanis Club

Trustee

Grand Lake Soccer Scholarship Association

President

 

Linda Vogel

St. Marys Rotary Club

Member

JTDM Foundation

Board Member

Grand Lake Hospice Gala Committee

Member

 

Jace Homan

Celina Lions Club

Treasurer

Celina Combined Services Appeal

Treasurer

 

Ryan Sipe

Rockford Lions Club

Trustee

Rockford Carnegie Library

President

Mercer County Revolving Loan Fund Review Committee

Member

Blackcreek Township Zoning Appeals Committee

Member

Willshire Sons of the American Legion

Member

Financial Education Presentation @ Parkway High School

Annual Presentation

 

Steve Schmidt

Celina Chamber of Commerce

President

Knights of Columbus

Lecture

Mercer Health 5K Challenge

Committee

 

Matt Selhorst

Buzzards Glory Community Club

President

Sons of the American Legion

Treasurer

Coldwater Young Farmers

Member

Knights of Columbus

Member

 

Brad Brookhart

Knights of Columbus

Trustee

Celina Kiwanis Club

President Elect

 

Kim Bruns

Coldwater Kiwanis Club

Treasurer

Coldwater Food Pantry

Volunteer

 

Brooks Topp

Southwest Auglaize County Chamber

Member

Jamba Hoops Benefit for Cancer Committee

President

Coldwater Community Picnic Board

Treasurer

New Bremen 301 Club

Member

Holy Trinity Food Pantry Finance Committee

Member

 

Andrea Duerr

Our Home Family Resource Center

Board Member

Coldwater Downtown Chamber Committee

Treasurer

Coldwater Academic Promoters

Committee Member

Coldwater Community Concert Series

Treasurer

 

Lynn Hoyng

Coldwater Academic Promoters

Scholarship Coordinator

 

Matt McCollum

New Bremen 301 Club

Treasurer

New Bremenfest

Treasurer

 

Nate Kaup

Coldwater Chamber of Commerce

Treasurer

Mercer County Chamber Leadership in Action

Board Member

 

Jane Hole

Tri-Country ADAMHS Board

Finance, Planning,

Executive Board Member

 

Marilyn Osterholt

Racing for Relief

Board Member

 

Joe Thomas

Buzzards Glory Community Club

Member

 

Paula Smith

Celina Mercer County Chamber

Board Member

 

Beth Galdeen

Daughters of Isabella

Secretary

 

Shirley Pleiman

Coldwater Academic Supports

Scholarship Committee

 

Goals for 2023

  • Maintain a 75% to 85% loan to deposit ratio.

  • Encourage staff and directors to participate in civic organizations within our communities that assist low-moderate income individuals and households.

  • Focus on creating financial education for students and adults.

  • Seek loan opportunities to benefit low-moderate income households, businesses, and farms.

  • Continue to promote local loan programs such as the Economic Development Revolving Loan Fund and other programs available to local businesses for startup, expansion, and equipment purchases.

  • Bid competitively on investment bonds and notes that benefit community development in our assessment area and beyond.

  • Continue to increase protection from cyber-attacks.

‌2022 CRA Self – Assessment

Exhibit A

    

Secondary Market

   
    

Loans sold with

Loan to Deposit Ratio

 
 

Loan to Deposit Ratio

 

servicing retained

adjusted for servicing retained

 
 

2022

     

First Quarter

45.13%

  

$146,301,027.77

68.40%

 

Second Quarter

46.28%

  

$144,841,128.94

69.70%

  

Third Quarter

47.04%

  

$141,708,982.23

69.55%

  

Fourth Quarter

44.36%

Average

45.70%

$138,256,633.00

63.94%

Average

67.90%

 

2021

      

First Quarter

48.47%

  

$136,243,259.20

71.99%

  

Second Quarter

47.81%

  

$137,845,725.65

71.46%

  

Third Quarter

45.41%

  

$141,670,260.94

69.11%

  

Fourth Quarter

44.98%

Average

46.67%

$144,820,657.86

69.01%

Average

70.39%

 

2020

      

First Quarter

63.52%

  

$116,888,387.41

89.27%

  

Second Quarter

57.81%

  

$124,209,202.50

81.98%

  

Third Quarter

55.90%

  

$133,101,706.47

81.17%

  

Fourth Quarter

48.43%

Average

56.41%

$135,962,322.36

72.38%

Average

81.20%

 

2019

      

First Quarter

59.97%

  

$107,292,013.40

82.29%

  

Second Quarter

59.58%

  

$106,732,553.84

81.44%

  

Third Quarter

58.80%

  

$109,679,005.52

80.80%

  

Fourth Quarter

65.30%

Average

60.91%

$113,366,342.48

90.94%

Average

83.87%

 

2018

      

First Quarter

60.13%

  

$102,444,504.99

83.39%

  

Second Quarter

60.37%

  

$104,456,763.83

84.14%

  

Third Quarter

61.95%

  

$104,752,887.12

85.19%

  

Fourth Quarter

60.86%

Average

60.83%

$106,377,912.43

83.96%

Average

84.17%

 

2017

      

First Quarter

57.74%

  

$97,084,610.42

81.19%

  

Second Quarter

59.14%

  

$98,246,693.16

82.86%

  

Third Quarter

60.37%

  

$101,031,543.23

84.59%

  

Fourth Quarter

59.09%

Average

59.09%

$102,105,274.63

82.40%

Average

82.76%

 

2016

      

First Quarter

55.02%

  

$91,496,894.69

77.05%

  

Second Quarter

54.21%

  

$93,969,674.08

77.25%

  

Third Quarter

52.89%

  

$95,465,532.04

75.46%

  

Fourth Quarter

53.27%

Average

53.85%

$96,093,346.73

75.51%

Average

76.32%

 

2015

      

First Quarter

53.54%

  

$86,739,007.68

75.37%

  

Second Quarter

53.66%

  

$88,771,726.10

75.78%

  

Third Quarter

52.07%

  

$90,068,238.52

73.46%

  

Fourth Quarter

52.62%

Average

52.97%

$91,696,905.78

74.05%

Average

74.67%

2022 CRA Self – Assessment Exhibit B

Loan Originations – Secondary Market

Heloc

and

Homebuyers Assistance Program

  

2019

  

2020

  

2021

  

2022

First Quarter

            

HBA

10

@

1,758,400.00

0

@

0.00

3

@

1,135,753.00

5

@

1,271,400.00

Freddie Mac

12

@

2,063,842.00

21

@

3,542,805.25

38

@

6,770,928.86

13

@

2,473,461.31

FHLB

13

@

1,908,907.15

35

@

6,597,388.71

30

@

5,459,891.32

20

@

3,257,022.64

Heloc

22

@

890,500.00

19

@

863,980.00

23

@

979,880.00

23

@

1,425,715.00

Welcome Home

3

@

216,000.00

2

@

228,400.00

4

@

427,600.00

1

@

105,000.00

FHA/VA/RD

2

@

311,214.00

4

@

523,712.00

2

@

305,050.00

1

@

122,735.00

Second Quarter

            

HBA

7

@

1,666,950.00

5

@

1,592,320.00

4

@

640,900.00

6

@

1,381,000.00

Freddie Mac

10

@

1,871,322.11

35

@

6,439,547.15

25

@

4,765,552.57

9

@

1,740,538.34

FHLB

20

@

3,454,918.58

101

@

19,419,732.96

16

@

3,122,650.45

5

@

1,115,809.35

Heloc

28

@

1,185,161.00

13

@

592,635.00

30

@

1,399,250.00

32

@

2,284,500.00

Welcome Home

7

@

499,120.00

7

@

802,050.00

8

@

990,200.00

0

@

0.00

FHA/VA/RD

3

@

512,431.00

2

@

636,000.00

4

@

469,427.00

2

@

230,743.00

Third Quarter

            

HBA

10

@

2,064,900.00

8

@

1,885,150.00

6

@

1,777,510.00

10

@

2,608,800.00

Freddie Mac

22

@

3,173,540.75

90

@

15,298,843.63

18

@

2,879,165.75

3

@

672,500.00

FHLB

64

@

11,153,002.97

59

@

10,988,770.24

41

@

7,374,424.12

3

@

428,650.00

Heloc

24

@

1,179,641.00

24

@

1,116,338.44

28

@

1,603,690.00

40

@

3,139,394.00

Welcome Home

0

@

0.00

0

@

0.00

0

@

0.00

0

@

0.00

FHA/VA/RD

0

@

0.00

7

@

1,129,412.00

1

@

109,980.00

1

@

129,292.00

Fourth Quarter

            

2022 Year-End Totals

HBA

8

@

1,880,217.00

7

@

2,347,471.00

2

@

540,000.00

14

@

3,140,210.00

35

@

8,401,410.00

Freddie Mac

14

@

1,798,793.20

52

@

9,139,651.83

20

@

3,676,339.69

0

@

0.00

25

@

4,886,499.65

FHLB

45

@

8,629,418.50

42

@

6,795,707.29

31

@

5,947,742.49

0

@

0.00

28

@

4,801,481.99

Heloc

22

@

918,439.00

21

@

846,100.00

22

@

1,176,930.00

20

@

1,112,000.00

115

@

7,961,609.00

Welcome Home

0

@

0.00

1

@

133,020.00

0

@

0.00

0

@

0.00

1

@

105,000.00

FHA/VA/RD

1

@

150,228.00

3

@

322,345.00

1

@

124,747.00

1

@

132,939.00

5

@

615,709.00

2022 CRA Self-Assessment

Exhibit C

Type of Loan

Type of Loan

Total Loan Breakdown for 2022

#

Amt

% of

of Loans

in $000’S

Total Loans

Real Estate

   

Residential 1-4

186

42,435

16.26%

Multi-Family

66

15,320

5.77%

Commercial

39

22,110

3.41%

Agricultural

24

14,742

2.10%

Home Equity

121

8,230

10.58%

Secondary Market

54

9,848

4.72%

HBA

35

8,401

3.06%

 

Consumer

   

Open-End Credit

122

367

10.66%

All Other

333

7,367

29.11%

 

Commercial & Industrial

124

22,171

10.84%

Agricultural

40

2,061

3.50%

 

Total

1,144

$153,052

100.00%

 

Total Loan Breakdown for 2021

#

Amt

% of

of Loans

in $000’S

Total Loans

Real Estate

   

Residential 1-4

142

28,832

7.49%

Multi-Family

59

9,084

3.11%

Commercial

32

11,714

1.69%

Agricultural

16

14,079

0.84%

Home Equity

105

5,310

5.54%

Secondary Market

225

40,914

11.87%

HBA

15

4,094

0.79%

Consumer

   

Open-End Credit

128

400

6.75%

All Other

287

6,130

15.14%

Commercial & Industrial

101

4,742

5.33%

PPP Loans

687

13,197

36.23%

Agricultural

99

16,505

5.22%

Total

1,896

$155,001

100.00%

‌2022 CRA Self- Assessment Exhibit D

Credit Bureau filings of Mtg Liens

BANK

PBC
2022 2021

#

%

Amount

#

%

Amount

 

359

23%

$79,254,865

431

19%

$81,791,816

 

2020

#

%

Amount

576

22%

$104,703,843

149

9%

$47,524,172

 

233

10%

$79,492,867

 

337

13%

$90,574,261

 

ST HENRY BANK

97

6%

$8,361,682

 

204

9%

$21,181,846

 

189

7%

$18,702,184

 

DYNAMIC FCU

MERCER SAVINGS BANK

71

5%

$12,877,500

123

6%

$23,006,870

121

5%

$18,831,357

 

74

5%

$66,963,839

 

129

6%

$89,967,970

 

117

4%

$64,189,435

 

FARM CREDIT

130

8%

$18,490,523

 

124

6%

$15,720,422

 

234

9%

$33,787,740

 

SUPERIOR FCU

61

4%

$24,568,020

 

110

5%

$28,360,212

 

180

7%

$34,193,842

 

CITIZENS NAT’L

OSGOOD STATE BANK

37

2%

$10,830,380

74

3%

$17,975,899

107

4%

$21,391,340

 

44

3%

$11,054,565

 

47

2%

$7,570,127

 

92

3%

$14,887,546

 

1ST FINANCIAL

MINSTER STATE BANK

22

1%

$8,000,240

33

1%

$6,414,176

39

1%

$6,801,573

 

533

34%

$338,792,565

**

717

32%

$221,331,372

*

669

25%

$972,737,554

****

 

OTHER

1577

100%

$626,718,352

2225

100%

$592,813,577

2661

100%

$1,380,800,675

 

**Includes mortgages to The Fremont Company ($52,800,000); Shane Hill Route 118 Propco DST ($18,657,927); Heartland Feed Services LLC ($30M), and Celina

Membership Interest LLC/Pacifica Ohio LLC (4-$22,496,500)

*Includes mortgage to Fostoria DD LLC ($82,000,000-future Dunkin Donuts on Havemann Rd)

****Includes mortgages to Shane Hill OH Propco LLC ($13,950,000), Jay Petroleum Inc ($50 M), ARC BKMST41001 LLC ($715 M), Wenning Farms Holdings

($18,500,000 & $4,150,000), and MPS Feed $32 M)

‌2022 CRA Self – Assessment

Exhibit E

New Loan and Credit Denial Analysis by Cencus Tracts

 

Van Wert Co

 

Auglaize Co

     

Mercer Co

    

Darke Co

Total

Information

203

204

405

406

412.01

412.02

9672

9673*

9674*

9675*

9676*

9677**

9678

9679

9680

5001

Other

Income Level

Middle

Middle

Upper

Upper

Middle

Middle

Middle

Upper

Middle

Middle

Upper

Upper

Middle

Upper

Upper

Upper

Population

2725

3112

4824

3563

1995

5369

3697

4365

4772

5101

3032

6191

2040

6625

5040

4087

N/A

66538

% of Market Pop.

4.10%

4.68%

7.25%

5.35%

3.00%

8.07%

5.56%

6.56%

7.17%

7.67%

4.56%

9.30%

3.07%

9.96%

7.57%

6.14%

      

Installment Loan

                  

# of Loans Made

2

5

9

4

0

9

26

45

32

31

20

64

15

26

27

11

49

375

% of Total Ins Apps

0.46%

1.16%

2.09%

0.93%

0.00%

2.09%

6.03%

10.44%

7.42%

7.19%

4.64%

14.85%

3.48%

6.03%

6.26%

2.55%

11.37%

87.01%

# of Denials

0

0

2

1

1

4

3

3

7

10

1

9

3

0

3

0

9

56

% of Total Ins Apps

0.00%

0.00%

0.46%

0.23%

0.23%

0.93%

0.70%

0.70%

1.62%

2.32%

0.23%

2.09%

0.70%

0.00%

0.70%

0.00%

2.09%

12.99%

      

Mortgage Loans

                  

# of Loans Made

3

3

17

4

6

14

22

34

16

56

17

84

16

43

26

13

82

456

% of Total Mtg Apps

0.61%

0.61%

3.47%

0.82%

1.22%

2.86%

4.49%

6.94%

3.27%

11.43%

3.47%

17.14%

3.27%

8.78%

5.31%

2.65%

16.73%

93.06%

# of Denials

0

0

0

0

1

3

2

4

4

4

4

3

0

1

2

0

6

34

% of Total Mtg Apps

0.00%

0.00%

0.00%

0.00%

0.20%

0.61%

0.41%

0.82%

0.82%

0.82%

0.82%

0.61%

0.00%

0.20%

0.41%

0.00%

1.22%

6.94%

      

Commercial Loans

                  

# of Loans Made

0

0

5

1

1

3

4

11

5

6

3

7

5

2

8

5

8

74

% of Total Clm Apps

0.00%

0.00%

6.76%

1.35%

1.35%

4.05%

5.41%

14.86%

6.76%

8.11%

4.05%

9.46%

6.76%

2.70%

10.81%

6.76%

10.81%

100.00%

# of Denials

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

% of Total Clm Apps

0.00%

0.00%

0.00%

0.00%

0.00%

0.00%

0.00%

0.00%

0.00%

0.00%

0.00%

0.00%

0.00%

0.00%

0.00%

0.00%

0.00%

0.00%

      

Credit Card

                  

# of Loans Made

0

1

2

1

4

0

9

13

6

9

7

27

4

5

19

0

15

122

% of Total CC Apps

0.00%

0.70%

1.41%

0.70%

2.82%

0.00%

6.34%

9.15%

4.23%

6.34%

4.93%

19.01%

2.82%

3.52%

13.38%

0.00%

10.56%

85.92%

# of Denials

0

0

0

0

0

0

1

4

3

1

2

5

0

2

1

0

1

20

% of Total CC Apps

0.00%

0.00%

0.00%

0.00%

0.00%

0.00%

0.70%

2.82%

2.11%

0.70%

1.41%

3.52%

0.00%

1.41%

0.70%

0.00%

0.70%

14.08%

      

Total Applications

5

9

35

11

13

33

67

114

73

117

54

199

43

79

86

29

170

1137

% of Total Apps

0.44%

0.79%

3.08%

0.97%

1.14%

2.90%

5.89%

10.03%

6.42%

10.29%

4.75%

17.50%

3.78%

6.95%

7.56%

2.55%

14.95%

100.00%

 

5

9

33

10

11

26

61

103

59

102

47

182

40

76

80

29

154

 

% of Total Loans Made

100.00%

100.00%

94.29%

90.91%

84.62%

78.79%

91.04%

90.35%

80.82%

87.18%

87.04%

91.46%

93.02%

96.20%

93.02%

100.00%

90.59%

 

*Celina Area

**Coldwater Area

‌2022 CRA Self – Assessment

Exhibit F

New Consumer Loans and Credit Denials according to income

Income

# of Loans

% of Total

# of

% of Total

Denials Due

% of Total Denials

Level

Made

Loans

Denials

Denials

To Income

Due to Income

< – $15,000

3

0.45%

9

8.57%

6

18.18%

$15,000 – 24,999

26

3.87%

17

16.19%

8

24.24%

$25,000 – 34,999

46

6.85%

7

6.67%

3

9.09%

$35,000 – 49,500

108

16.07%

25

23.81%

5

15.15%

$49,501 – 63,664

103

15.33%

17

16.19%

2

6.06%

$63,665 – OVER

386

57.44%

30

28.57%

9

27.27%

Total

672

100.00%

105

100.00%

33

100.00%

New Commercial/Farm Loans and Credit Denials according to income

Income

# of Loans

% of Total

# of

% of Total

Denials Due

% of Total Denials

Level

Made

Loans

Denials

Denials

To Income

Due to Income

< – $15,000

6

2.13%

1

25.00%

1

33.33%

$15,000 – 24,999

7

2.48%

0

0.00%

0

0.00%

$25,000 – 34,999

7

2.48%

0

0.00%

0

0.00%

$35,000 – 49,999

19

6.74%

0

0.00%

0

0.00%

$50,000 – 74,999

26

9.22%

0

0.00%

0

0.00%

$75,000 – OVER

217

76.95%

3

75.00%

2

66.67%

Total

282

100.00%

4

100.00%

3

100.00%

Source Document – Loan and Denial information was retrieved from our In-House system

‌2022 CRA Self – Assessment Exhibit G

Income – Residential

Median Family

 

% of Total

Secondary

% of Total

Income

Residential

Loans

Residential

Loans

Low

0 < 25,550

4

2.19%

1

1.89%

Moderate

25,551 < 49,500

24

13.11%

9

16.98%

Middle

49,501 < 63,664

22

12.02%

14

26.42%

Upper

> = 63,665

133

72.68%

29

54.72%

Total

183

100.00%

53

100.00%

Income – Commercial/Agricultural

Median

 

% of Total

 

% of Total

Investment

% of Total

Income

Commercial

Loans

Agricultural

Loans

1-4 Family

Loans

Low

0 – 500,000

34

89.47%

22

91.67%

56

86.15%

Middle

500,001 – 1,000,000,000

4

10.53%

1

4.17%

7

10.77%

Upper

> = 1,000,000,00

0

0.00%

1

4.17%

2

3.08%

Total

38

100.00%

24

100.00%

65

100.00%

‌2022 Community Development

Exhibit H

OH CRA

  
 

Principal or

Collateral

Loan #

Max Amt

Description

2022

$360,000.00

224 Rogers Ave Rockford, OH

 

$360,000.00

 

2021

  

700002854

$265,725.00

702 Beech St St Marys, OH

700002921

$126,724.60

341 Hickory St St Marys, OH

 

$392,449.60

 

2020

  

420081981

$605,000.00

812 Ash St St Henry, OH

420084321

$905,882.00

321 S Eastern Ave St Henry, OH

420084243

$1,294,118.00  

321 S Eastern Ave St Henry, OH

 

$2,805,000.00

 

2019

  

420098985

$56,000.00

705 E Main St Coldwater, OH

700001864

  $473,378.88  

705 E Main St Coldwater, OH

 

$529,378.88

 

2018

  

419984715

$59,000.00

209 S Second St Coldwater, OH

700001250

$196,000.00

1520 Klosterman Ln St Marys, OH

419954529

$49,000.00

523 N Sugar St Celina, OH

419558211

$69,434.87

523 N Sugar St Celina, OH

 

$373,434.87

 

2017

  

419898213

$270,000.00

812 Ash St St Henry, OH

419825595

$4,130,000.00

5139 Monroe Rd Celina, OH

419926683

$125,000.00

7982 Co Rd 219A Celina, OH

419808747

$205,000.00

8509 Celina Mendon Rd Celina, OH

419954529

$49,000.00

523 N Sugar St Celina, OH

419939007

$160,000.00

611 N Spruce St St Marys, OH

 

$4,939,000.00

 

Participation Loans

Loan #

Amount

Collateral

Census

Income Level

 

Purchased

Description

Tract #

of Tract

2022

    

420221601

$5,888,000.00

351,000 sq ft warehouse in Lima, OH

0137

Low

 

$5,888,000.00

   

2021

None

2022 Community Development

Exhibit I

CRA Credited Investments

2022

   

Name of Investment

State

Maturity

Book Value

Cincinnati Water E

OH

12/1/2029

375,000.00

Athens

OH

12/1/2039

296,889.00

Botkins Local School District

OH

12/1/2038

259,795.00

Cincinnati

OH

12/1/2027

313,904.00

Dayton

OH

12/1/2026

200,000.00

Elyria City School District

OH

12/1/2033

557,147.00

Hamilton City School District

OH

12/1/2026

334,283.00

Hamilton Local School District

OH

12/1/2031

332,226.00

Hillsboro City School Disctrict

OH

12/1/2024

525,000.00

Maple Hights City School District

OH

1/15/2033

332,382.00

Marion

OH

12/1/2032

422,982.00

Painesville City Local Schools

OH

12/1/2032

421,234.00

Painesville City Local Schools

OH

12/1/2031

356,169.00

Ridgemont Local Schools

OH

12/1/2034

288,420.00

Rittman Exempted Village School

OH

12/1/2029

375,996.00

Scioto County

OH

12/1/1933

290,978.00

Moraine

OH

12/1/2035

478,030.00

Sheffield Sheffield Lake City

OH

12/1/2034

318,659.00

Oppenheimer FHLMC Pool # RA5209

Avg Life Date

5/1/2051

1,166,990.79

NOA Bancorp – an Asian owned Minority Depository Institution

11/1/2025             

500,000.00   

Atlanta metropolitan area

 

8,146,084.79

2021

   

Name of Investment

State

Maturity

Book Value

Beachwood, OH

OH

12/1/2028

290,075.00

Beachwood, OH

OH

12/1/2029

298,663.00

Canton OH Local Schools

OH

11/1/1933

330,759.00

Cincinnati, OH

OH

12/1/2029

375,000.00

Cincinnati, OH

OH

12/1/2027

316,743.00

Cincinnati, OH

OH

6/1/2030

298,951.00

Dayton, OH

OH

12/1/2026

200,404.00

East Clinton Local Schools

OH

12/1/2035

372,685.00

Elyria School District

OH

12/1/2033

572,031.00

Franklin City School District

OH

11/1/1934

518,542.00

Fremont City School District

OH

1/15/2030

436,663.00

Gallia County OH

OH

12/1/2036

287,299.00

Greenville City Schools

OH

1/1/2032

324,229.00

Hamilton City School District

OH

12/1/2026

343,213.00

Hamilton City School District

OH

12/1/2031

336,764.00

Hillsboro School District

OH

12/1/2024

525,000.00

Maple Heights City Schools District

OH

1/15/2033

336,218.00

Marion, OH

OH

12/1/2032

425,791.00

Martins Ferry City School District

OH

12/1/2032

322,016.00

Marysville Exempted Village Schools

OH

12/1/2029

257,620.00

Painsville City Local Schools

OH

12/1/2032

423,713.00

Painsville City Local Schools

OH

12/1/2031

361,864.00

Ayersville Local Schools

OH

11/1/2026

276,219.00

Moraine, OH

OH

12/1/2035

486,444.00

Oppenheimer FHLMC Pool # RA5209

Avg Life Date

10/1/2028

1,496,883.64

NOA Bancorp – an Asian owned Minority Depository Institution

11/1/2025             

500,000.00   

Atlanta metropolitan area

 

$ 10,713,789.64

2020

   

Name of Investment

State

Maturity

Book Value

Beachwood, OH

OH

12/1/2028

291,349.00

Beachwood, OH

OH

12/1/2029

299,580.00

Ashland City School District

OH

11/1/2021

265,000.00

Canton OH Local Schools

OH

11/1/1933

335,816.00

Cincinnati, OH

OH

12/1/2027

319,554.00

Dayton, OH

OH

12/1/2026

201,985.00

East Clinton Local Schools

OH

12/1/2029

375,353.00

Elyria School District

OH

12/1/2026

586,783.00

Fremont City School District

OH

1/15/2026

444,454.00

Gallia County OH

OH

12/1/2030

291,317.00

Hamilton City School District

OH

12/1/2026

352,063.00

Hillsboro School District

OH

12/1/2024

525,556.00

Jefferson Area Local Schools

OH

12/1/2021

343,133.00

Marion, OH

OH

12/1/2032

428,513.00

Martins Ferry City School District

OH

12/1/2032

324,938.00

Marysville Exempted Village Schools

OH

12/1/2029

260,859.00

Painsville City Local Schools

OH

12/1/2030

426,137.00

Painsville City Local Schools

OH

12/1/2031

367,503.00

Ayersville Local Schools

OH

11/1/2026

276,467.00

NOA Bancorp – an Asian owned Minority Depository Institution

Atlanta metropolitan area

11/1/2025          

500,000.00   

$ 7,216,360

 

   

‌2022 Qualified Donations

 
   

Exhibit J

 

Category

Intity

Amount

Description

Website

 

Community Service

Community Safety Net

$241.00

Partnership with local law enforcement to

promote child safety and drug prevention https://www.officerphil.com/about-us.html

education.

 

Economic Development

MED Foundation $500.00 Provides scholarships and finacial

assistants

https://www.mercer- health.com/foundation/foundation/

Community Cancer Assoc of Service Mercer Co

$350.00

Financial Assistance after insurance and other benefits are utilized. Assistance with transportation, medications, wigs/turbans, nutritional supplements, prostheses and ostomy supplies.

https://www.camc-ohio.org/

Community Our Home Family Service Resource Center

$2,000.00

A non-profit organization helping Mercer County individuals and families survive, reguild, and overcome. Comprised of 3 District Programs; Fmaily Crisis Network, RAFT Supervised Visitation Center, Direct Services and Referrals.

https:// ourhomefrc.com

Community Center For

Service Neurolgical

Development

$50.00

Our mission is to offer those with special needs the opportunity to achieve their maximum potential utilizing individual neurodevelopment, neuroeducational and wellness programs. It is to offer the general community the opportunity to increase their well-being utilizing a variety of services within the wellness program.

   

Lots for Soldiers

$250.00

donating lots to deserving servicepersons,

but we’ll be focusing more on providing individualized help, whether that be appliance donations, ramp builds, or simply

a helping hand.

 

Community Service

http://lotsforsoldiers.com/ 

   

Community

Service Hand Up Village

$1,000.00

Hand Up Village is a nonprofit organization

providing shelter for Mercer County Hand-Up Village Inc. | Facebook residents who are homeless

   

Community Service

Racing for Relief $200.00 Inc

Raising money to benefit Mercer County Firemen’s Association, Mercer County EMS and the American Red Cross

https://racing4relief.org/

   

 

Community Coldwater MD

Service Tournament

$1,000.00

Coldwater Softball Tournamnet to raise money for Multiple Donations throughout the Community.

 

 

Community Celina Combined Service Services Appeal

$1,000.00

Charitable organization striving to respond

to the diverse needs of our community with www.celinacombinedservices.org

basic food needs to handicap assistants

and everything inbetween.

   

Community Service

l Mercer 

 

 

Mercer Co Emergency Response Volunteers Inc

$200.00

9-1-1 based organization located in Mercer

County Ohio provides emergency medical service to a population of 41,000 citizens in a 473 square mile area of West Central Ohio. Mercer County EMS responds to approximately 2600 calls for service each year. Mercer County EMS operates with 110 paid and volunteer Paramedics, EMT

Advanced, EMT’s, and First Responders

based out of 4 stations, operating 10 Advanced Life Support ambulances.

Emergency Medical Services | Officia County, Ohio Government Website (mercercountyohio.org)

 

Community Service

National Fire $150.00 Safety Council

National Fire Safety Council, Inc. (NFSC), a 501(c)(3) tax-exempt not-for-profit organization, is the largest distributor of comprehensive fire & burn prevention and life safety materials in the United States.

https://nfsc.org  

 

 

 

Community Prime Partnership Service

$475.64

Interest earned on IOLTA and IOTA is a critical source of funding for Ohio’s legal aids. By depositing IOLTA/IOTA funds in a

Prime Partner, attorneys are increasing the dollars available to support civil legal aid services in the state and ultimately, increasing access to justice for Ohioans struggling to make ends meet.

https://www.ohiojusticefoundation.org/bankscou rts/prime-partner-financial-institution/

    

 

Community Service

JTD Hospital Foundation

$710.00

Offering a community based program to https://www.grandlakehealth.org/services/hospic

provide hospice care. e.html

Economic

Development AMBE Alliance

$1,500.00

Connecting area businesses with local students for career opportunities in Mercer

and Auglaize counties and help them build https://ambealliance.org/about-us/

career pathways creating a sustainable

workforce for the future.

Tri Star Endowed Economic Scholarship Fund/

Development Mercer Co Civic

Foundation

$1,000.00

Career Technical education encompassing nine schools in Mercer and Auglaize counties. These districts have designed a curriculum of programs for junior and senior students who have an interest in a Career

Technical field.

https://www.tristarcareercompact.com/about

Community Celina Schools

Service Caring Closet

$500.00

Celina City Schools Caring Closet is available for students that need personal hygiene items, clothing, school suppoes etc.

 

Community Service

Boy Scouts of America

$200.00

Eagles Scout Communiyt Project

https://www.scouting.org/

     

 

Community FCA All-Abilities Service Camp

$600.00

Celebrate people of all abilities by providing athletes of all abilities with an opportunity to safely and freely explore and display their unique personality and skills!

Educate and inform parents of various opportunities for your child in our area! Possibly form sports leagues in our area for individuals with special needs

www.district8fca.org/camp

 

Community C.A.L.L. Food Service Pantry

$500.00

This non-profit organization was founded by local church leaders to serve the community, allowing for one central agency to utilize the resources offered by many different churches.

They offer a program which allows clients to “work for” large household items such as refrigerators, ranges, washers, cars etc.

http://callministries.org/

    

Community Service

Mercer Co House $600.00 of Hope

A transition house specializing in helping women with a history of substance abuse. Our mission is to provide housing, food, clothing, spiritual & emotional support while assisting in finding employment for Mercer County Citizens that are struggling with a drug addiction, are now clean and show the desire to stay clean and become a productive member of the community.

https://mercerhouseofhope.com/

 

 

Economic Development

Business Enterprise Center/WOEF

$700.00

The BEC offers free, individual counseling to small and mid-size businesses as well as a “Starting Right” class for new business prospective owners to gain basic knowledge.

https://lake.wright.edu/degrees-and- programs/business-enterprise-center

 

 

Community Rockford Service Recreation Assoc

$341.56

Recreational programs to offer Rockford

youth and families the opportunity to play https://www.rockfordrec.com/

baseball and softball

   

Community Service

MAV Youth Mentoring/ BigBroBigSis

$500.00

Provide all childen facing difficulties a

postive, professionally-supported one-on- https://mavyouthmenotring.com

one relationship that improves their lives

forever

Total for 2023

$14,718.20

 

Community Service

Rockford Lions Club

$50.00

Rockford Lions Club donation specific for LMI

https://e-clubhouse.org/sites/rockfordoh/

     

 

Community Challenger

Service Baseball

$100.00

This program makes it possible for handicapped youth and adults to participate in ball programs with in Mercer County

https://www.facebook.com/mercercountyohioch allengerbaseball/







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