Banks in Coldwater, OH

Bank branch map: Coldwater

Banks sit at the coordinates in their FDIC record; credit union offices at their NCUA address, located with the U.S. Census Bureau Geocoder. Point at a marker for today's hours, tap it for the address, directions and the bank's site.

Short answer: 2 banks and credit unions operate 3 locations in Coldwater, according to the FDIC and the NCUA. 3 of them have coordinates on record and are on the map. 1 publish opening hours.

Positions are the regulators' own coordinates, or the Census Geocoder's point for the address, and can sit a few hundred feet from the door. Streets, buildings and parks come from OpenStreetMap through OpenFreeMap, with every street named as you zoom in; if that map cannot load, a simpler map drawn from the Census Bureau's TIGER/Line files takes its place. ATMs will follow with the Overture Maps import.

All banks and credit unions in Coldwater

Sorted by number of local branches. Each branch shows where its hours and phone number come from.

Short answer: The Peoples Bank Co. is the only bank with offices in Coldwater, with 2. Open any bank to see each address, today's hours where the bank publishes them and the phone number.

The Peoples Bank Co. 2 branches · main office Coldwater, OH Bank · 2

The Peoples Bank Co. has 2 branches in Coldwater, 7 across Ohio and 7 nationwide. FDIC records list its main office in Coldwater, OH and show it operating since 1905. With $859.2 million in total assets on June 30, 2026, it ranks No. 1,188 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Coldwater location is its main office at 112 W Main St, dating to 1905; the newest, at North And Mill Streets, to 1965. It does not publish hours in the sources this page uses; check its site before you go.

• Main Office main office

  112 W Main St, 45828

  Hours: see the bank's site
  DirectionsWebsite
• Drive-In Branch

  North And Mill Streets, 45828

  Hours: see the bank's site
  DirectionsWebsite

The Peoples Bank Co.: profile, branches and contacts

Superior Credit Union, Inc 1 office · main office Lima, OH Credit union · 1

Superior Credit Union, Inc has 1 office in Coldwater, 26 across Ohio. It is based in Lima, OH and $1.93 billion in assets on March 31, 2026, according to its NCUA call report. It opens on Saturday.

Who can join: see the credit union's site.

• Coldwater

  950 W Main St, 45828

  (419) 223-9746Today 8:30 am to 5 pm

  All hours

  Mon to Fri 8:30 am to 5 pm; Sat 9 am to 12 pm; Sun not published

  Hours: NCUA, March 31, 2026

  Directions

Superior Credit Union, Inc: profile, branches and contacts

Join a credit union in Coldwater

1 credit union has 1 office here: Superior Credit Union, Inc. Each office is listed above with the phone and the hours it filed with the NCUA (call report as of March 31, 2026). Who can join each one is on its own site; the credit unions in Coldwater page has every office in the state's directory.

Banking in Coldwater: the local picture

Short answer: 1 bank runs 2 branches in Coldwater according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.

The Peoples Bank Co. has its main office in Coldwater, according to the FDIC.

The bank with the longest record here is The Peoples Bank Co., operating since 1905 according to the FDIC. In FDIC branch records, the longest-running branch is The Peoples Bank Co.'s office at 112 W Main St, dating to 1905; the newest is The Peoples Bank Co.'s at North And Mill Streets, from 1965.

The only credit union with an office here is Superior Credit Union, Inc.

Of the 1 location with published hours. 1 opens on Saturday. 2 locations have no published hours in these sources.

Credit unions open on Saturday in Coldwater

Short answer: 1 of the 1 Coldwater location with published hours opens on Saturday, run by 1 institution.

• Superior Credit Union, Inc: 1 of 1 office (950 W Main St: Saturday 9 am to 12 pm)

Credit union hours are the text each credit union filed with the NCUA, call report as of March 31, 2026; a day the filing does not mention is shown as not published, never as closed. Bank branches show hours only where the bank publishes them in a source this page uses; 2 of the 3 locations here have no published hours yet. The source and date sit under each office. Banks and credit unions often close on Federal Reserve holidays; call ahead.

Chase, Bank of America and other national banks

Which big national banks have branches in Coldwater, and where the nearest one is if they do not.

Short answer: No branches in Coldwater: Chase (nearest in Celina, 6 mi), Wells Fargo, Bank of America (nearest in Oxford, 67 mi), PNC Bank (nearest in Sidney, 27 mi), U.S. Bank (nearest in Fort Loramie, 16 mi), Truist (nearest in Blue Ash, 87 mi), Fifth Third Bank (nearest in Wapakoneta, 25 mi), Huntington (nearest in Spencerville, 21 mi), Regions Bank, TD Bank, BMO.

Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Coldwater to the nearest branch in Ohio.

What your savings could earn

National benchmarks and the best published offers, from the Banrox Bank Rates tracker. Enter your own balance and rate to compare.

Short answer: At the national average savings rate of 0.38%, $10,000 kept in savings for a year earns about $38. The best published savings rate in the tracker, 3.75% at CIT Bank, earns about $375. The national average 12-month CD pays 1.71%.

Rates are the banks' published APYs as tracked on the Banrox Bank Rates page, with the date next to each benchmark; they are not offers from Banrox and can change daily. Interest is before tax. The best offers are mostly online banks and are open to Coldwater residents like anyone else.

Banks near Coldwater

Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.

Short answer: The closest towns with more choice are Celina (6 miles) and Fort Recovery (9 miles). Celina, 6 miles away, has the most banks nearby: 6.

Bank branch openings and closings in Coldwater

FDIC branch records, between September 5, 2025 and September 5, 2026.

Short answer: FDIC branch records show no bank branch openings in Coldwater between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.

Banks and credit unions based in Coldwater

Short answer: 1 institution has its main office in Coldwater: The Peoples Bank Co..

Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.

Largest banks in Coldwater by total assets

Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Coldwater offices.

Short answer: The Peoples Bank Co. is the largest bank with offices in Coldwater, with $859.2 million in total assets on June 30, 2026, No. 1,188 among U.S. banks by total assets. 1 of the 1 bank is headquartered here. Local deposit shares will follow once the FDIC Summary of Deposits is imported.

Total assets and ranks from FDIC BankFind as of June 30, 2026. Rank is among active banks that report total assets to the FDIC.

Banks in Coldwater: FAQ

How we build this page

Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.