Peoples Bancorp PEBO

Peoples Bancorp Inc. is a financial holding company that operates principally through its wholly owned subsidiary Peoples Bank, an Ohio state chartered bank, and its other subsidiaries Peoples Investment Company, Peoples Insurance Agency, and Vantage Financial. The company offers a full range of commercial and consumer banking products, including demand and savings accounts, loans, and payment services. It also provides trust and investment services, insurance underwriting and agency brokerage, premium financing for insurance policies, and equipment leasing and financing arrangements. These services are delivered through its banking offices, automated teller machines, interactive teller machines, online and mobile platforms, and through nationwide specialty lending operations.

The company generates revenue primarily from interest earned on its extensive loan portfolio, which comprises commercial loans, residential mortgages, consumer loans, equipment financing and insurance premium finance loans. Fee based revenue is derived from deposit account services, debit and credit card transactions, merchant processing, payment platforms such as Zelle and FedNow, wealth management and trust fees, insurance commissions, and equipment leasing income. Additionally, the company earns revenue from brokerage services offered through an unaffiliated registered dealer and from asset management and administration of employee benefit plans.

The company operates through a single reportable segment identified as community banking. This segment encompasses all of its banking, insurance, investment and financing activities conducted via its subsidiaries.

• Community Banking: This segment provides a complete line of commercial and consumer banking, trust and investment, insurance, premium financing, equipment leasing and financing services through its banking, insurance and equipment financing subsidiaries, serving individuals, businesses and municipalities across its primary market area and nationwide for specialty lending.

Peoples Bancorp Inc. operates in a highly competitive banking and financial services environment, facing national, regional and local institutions, finance companies, financial technology firms, insurance agencies and mutual fund providers within its primary market area. The company differentiates itself through a focus on customer service, convenience and responsiveness, offering a broad product suite that integrates traditional banking with insurance, investment and equipment financing solutions. Its competitive position is further supported by its deep community relationships, diversified loan portfolio across multiple industries, and a commitment to expanding its offerings via organic growth and strategic acquisitions.

The company serves a diverse customer base that includes individuals, municipalities and businesses operating in sectors such as manufacturing, distribution, commercial real estate, healthcare, education, agriculture, automotive, wholesale and retail trade, franchises and various service industries. Its customers are located throughout rural, small urban and metropolitan markets in Ohio, Kentucky, West Virginia, Virginia, Washington D. C. and Maryland, with nationwide reach for its premium financing and equipment financing businesses. Additionally, the company serves nonprofit organizations and government entities through its public finance and municipal banking services.