PEOPLES BANK

NEWTON, NC | Large | Est. Jan. 1, 1912, midnight | FDIC #5956 | RSSD #220527 | FDIC
Latest Report: 2025-12-31

PEOPLES BANK is aln large FDIC-insured commercial bank headquartered in NEWTON, NC, established in Jan. 1, 1912, midnight. As of 2025-12-31, the bank reported total assets of $1.7B and total deposits of $1.5B. Profitability stands at 1.61% ROA and 16.65% ROE, with a net interest margin of 3.94%. The bank's CET1 capital ratio is 14.83%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.35% and a Texas Ratio of 2.31%. FDIC Certificate #5956.

Assets

$1.7B

Deposits

$1.5B

Loans

$1.2B

Equity

$170M

Profitability

Return on Assets (ROA) 1.61%
Return on Equity (ROE) 16.65%
Net Interest Margin (NIM) 3.94%
Yield on Assets 5.44%
Cost of Funds 2.13%

Asset Quality

NPL Ratio 0.35%
Net Charge-Off Ratio 0.04%
Texas Ratio 2.31%
NPA Ratio 0.25%
ACL / Loans 0.84%

Capital & Liquidity

CET1 Ratio 14.83%
Tier 1 Capital 14.83%
Total Capital Ratio 15.70%
Leverage Ratio 11.13%
Loan-to-Deposit 79.80%

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