What SBA's file shows for Peoples Bank (OH)

SBA files 425 loans approved in FY2017 to FY2026 under Peoples Bank (OH) as holder. $164.0 million gross was approved on the 425 loans held by Peoples Bank (OH). These 425 loans are ones SBA shows Peoples Bank (OH) holding or having held. SBA, never Peoples Bank (OH), is the guarantor. Every Peoples Bank (OH) loan on file is 7(a), 425 in all; none are 504. Peoples Bank (OH) holder status: assigned now or last.

282 of 425 loans, held by Peoples Bank (OH), sit in no listed asset class. At Peoples Bank (OH), rows by class cover the remainder. Peoples Bank (OH) class rows start with full-service restaurant, 46 loans. After that, limited-service restaurant (27), 18 loans in fitness center and 9 in coffee shop and snack bar. Lower Peoples Bank (OH) rows: medical office with 7 loans, child care center at 7 and beverage manufacturing (6). Peoples Bank (OH): more rows in the table.

Peoples Bank (OH) file shows, by state, 315 in Ohio, West Virginia (72) and 30 in Kentucky. Elsewhere, Peoples Bank (OH) shows a project no nearby loans.

At Peoples Bank (OH): cancellations and charge-offs

8.1% is the cancellation floor at Peoples Bank (OH), across FY2017 to FY2024 approvals. Also 8.1% is the ceiling; undisbursed Peoples Bank (OH) loans move nothing. Among 245 loans disbursed FY2017 to FY2021, Peoples Bank (OH) has 2.4% charged off, a floor. Charge-offs inside five years at Peoples Bank (OH): withheld by Loan Analytics. Peoples Bank (OH) outcomes show; reasons do not. Peoples Bank (OH) cohort rates cover FY2017 to FY2021 disbursements. Peoples Bank (OH): 8.1% is a floor, 425 loans notwithstanding, not a forecast. Peoples Bank (OH) loans keep seasoning, 425 of them; 8.1%, a floor, may climb.

Peoples Bank (OH): a borrower's view

For Peoples Bank (OH), a bank or lender, 425 loans sit in SBA records. Nothing in Peoples Bank (OH) rows states what Peoples Bank (OH) asks of an applicant. At Peoples Bank (OH), weigh Ohio then full-service restaurant, 425 loans deep, against the project. Sources beside Peoples Bank (OH) should be listed in the study, 425 loans or not.

425 loans at Peoples Bank (OH) are context only. For the project, Ohio or elsewhere, Peoples Bank (OH) proves nothing. 425 loans at Peoples Bank (OH) do not carry full-service restaurant demand, Peoples Bank (OH) cannot; Ohio conditions do, not Peoples Bank (OH). Test cost line by line, 425 loans set aside. 425 loans give Peoples Bank (OH) breadth, not depth. Peoples Bank (OH) must survive 8.1% as a minimum, not as the aim. Peoples Bank (OH): on stabilized income, debt service coverage keeps 8.1% in view. At Peoples Bank (OH), loan size follows appraised value. Peoples Bank (OH): a study delivers a file, never approval.

SBA loans held by Peoples Bank (OH)

SBA guarantees these loans; the lender does not. The lender's name and every figure come from the U.S. Small Business Administration's public 7(a) and 504 FOIA file (data.sba.gov).

7(a) lender is the bank or lender the loan is currently assigned to (or last held it), as SBA records it; 504 lender is the Certified Development Company (CDC). 504 third-party (first-lien) lenders are free text with no identifier and are not credited.

Loans approved, FY2017 to FY2026	425
Gross dollars approved	$164.0 million
SBA 7(a) loans	425
SBA 504 loans	0

Cancellation and charge-off

Cancelled after approval, FY2017 to FY2024 approvals (a floor)	8.1%
The same, counting loans still undisbursed as cancelled (a ceiling)	8.1%
Charged off to date, FY2017 to FY2021 disbursed loans (a floor)	2.4%
Charged off within five years of approval	withheld
Loans in that cohort	245

Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.

Loans by asset class

Asset class	Loans
Not in any of the 39 asset classes	282
Full-service restaurant	46
Limited-service restaurant	27
Fitness center	18
Coffee shop and snack bar	9
Medical office (physicians)	7
Child care center	7
Beverage manufacturing (breweries, wineries, distilleries)	6
Automotive mechanical repair (car and truck)	6
Grocery store	5

Classes with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.

Loans by project state

State or area	Loans
Ohio	315
West Virginia	72
Kentucky	30

States with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.

A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.

Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; Loan Analytics lender cell LP-fdic-6544.

Related feasibility study pages

Loan Analytics prepares the feasibility study a lender reads before it commits: for a commercial project anywhere in the United States, financed under SBA 7(a), SBA 504, USDA Business and Industry or a conventional bank loan, by Peoples Bank (OH) or any other lender. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.

Daniel Smith, MAI

Peoples Bank (OH): SBA Lending Record