Peoples Bancorp Inc reported in its latest quarterly filing that net interest income improved due to asset-liability management amid a rising rate environment, although pressures on funding costs and operational expenses persist. The company maintains a diversified loan portfolio across commercial real estate, commercial and industrial, residential real estate, and consumer loans, supported by significant investment securities and liquidity buffers. Regulatory burdens such as the Ohio Financial Institution Tax continue to influence cost structure. Robust capital ratios and prudent liquidity management underpin the bank’s stability, though competitive deposit markets and credit risk remain watchpoints. Management has also signaled ongoing infrastructure investments to bolster efficiency and customer service.