PEOPLES BANK

CLIFTON, TN | Small | Est. Jan. 1, 1890, midnight | FDIC #9489 | RSSD #148238 | FED
Latest Report: 2025-12-31

PEOPLES BANK is asn small FDIC-insured commercial bank headquartered in CLIFTON, TN, established in Jan. 1, 1890, midnight. As of 2025-12-31, the bank reported total assets of $411M and total deposits of $357M. Profitability stands at 1.31% ROA and 10.37% ROE, with a net interest margin of 5.11%. The bank's CET1 capital ratio is 15.87%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.39% and a Texas Ratio of 6.74%. FDIC Certificate #9489.

Assets

$411M

Deposits

$357M

Loans

$306M

Equity

$51M

Profitability

Return on Assets (ROA) 1.31%
Return on Equity (ROE) 10.37%
Net Interest Margin (NIM) 5.11%
Yield on Assets 7.89%
Cost of Funds 2.94%

Asset Quality

NPL Ratio 0.39%
Net Charge-Off Ratio 0.24%
Texas Ratio 6.74%
NPA Ratio 0.90%
ACL / Loans 1.02%

Capital & Liquidity

CET1 Ratio 15.87%
Tier 1 Capital 15.87%
Total Capital Ratio 16.88%
Leverage Ratio 12.99%
Loan-to-Deposit 85.68%

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