PEOPLES BANK

PARIS, TX | Small | Est. Dec. 15, 1988, midnight | FDIC #27398 | RSSD #1293078 | FDIC
Latest Report: 2025-12-31

PEOPLES BANK is asn small FDIC-insured commercial bank headquartered in PARIS, TX, established in Dec. 15, 1988, midnight. As of 2025-12-31, the bank reported total assets of $177M and total deposits of $161M. Profitability stands at 1.92% ROA and 22.92% ROE, with a net interest margin of 4.32%. The bank's CET1 capital ratio is 8.46%. Asset quality metrics show a non-performing loan ratio of 0.29% and a Texas Ratio of 2.59%. FDIC Certificate #27398.

Assets

$177M

Deposits

$161M

Loans

$146M

Equity

$15M

Profitability

Return on Assets (ROA) 1.92%
Return on Equity (ROE) 22.92%
Net Interest Margin (NIM) 4.32%
Yield on Assets 6.08%
Cost of Funds 1.79%

Asset Quality

NPL Ratio 0.29%
Net Charge-Off Ratio 0.01%
Texas Ratio 2.59%
NPA Ratio 0.24%
ACL / Loans 0.82%

Capital & Liquidity

CET1 Ratio 8.46%
Tier 1 Capital 8.46%
Total Capital Ratio 8.88%
Leverage Ratio 9.72%
Loan-to-Deposit 90.41%

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