PEOPLES BANK OF THE SOUTH

LAFOLLETTE, TN | Small | Est. Jan. 1, 1917, midnight | FDIC #4945 | RSSD #277736 | FDIC
Latest Report: 2025-12-31

PEOPLES BANK OF THE SOUTH is asn small FDIC-insured commercial bank headquartered in LAFOLLETTE, TN, established in Jan. 1, 1917, midnight. As of 2025-12-31, the bank reported total assets of $227M and total deposits of $185M. Profitability stands at 2.43% ROA and 21.14% ROE, with a net interest margin of 6.07%. The bank's CET1 capital ratio is 15.52%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.53% and a Texas Ratio of 3.69%. FDIC Certificate #4945.

Assets

$227M

Deposits

$185M

Loans

$196M

Equity

$26M

Profitability

Return on Assets (ROA) 2.43%
Return on Equity (ROE) 21.14%
Net Interest Margin (NIM) 6.07%
Yield on Assets 7.90%
Cost of Funds 1.92%

Asset Quality

NPL Ratio 0.53%
Net Charge-Off Ratio 0.00%
Texas Ratio 3.69%
NPA Ratio 0.46%
ACL / Loans 1.02%

Capital & Liquidity

CET1 Ratio 15.52%
Tier 1 Capital 15.52%
Total Capital Ratio 16.67%
Leverage Ratio 12.06%
Loan-to-Deposit 105.67%

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