PEOPLESTRUST BANK

HAMILTON, AL | Small | Est. July 23, 2004, midnight | FDIC #57569 | RSSD #3282012 | FDIC
Latest Report: 2025-12-31

PEOPLESTRUST BANK is asn small FDIC-insured commercial bank headquartered in HAMILTON, AL, established in July 23, 2004, midnight. As of 2025-12-31, the bank reported total assets of $197M and total deposits of $174M. Profitability stands at 0.65% ROA and 6.26% ROE, with a net interest margin of 3.76%. The bank's CET1 capital ratio is 10.23%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.49% and a Texas Ratio of 4.97%. FDIC Certificate #57569.

Assets

$197M

Deposits

$174M

Loans

$134M

Equity

$21M

Profitability

Return on Assets (ROA) 0.65%
Return on Equity (ROE) 6.26%
Net Interest Margin (NIM) 3.76%
Yield on Assets 6.37%
Cost of Funds 2.71%

Asset Quality

NPL Ratio 0.49%
Net Charge-Off Ratio 0.38%
Texas Ratio 4.97%
NPA Ratio 0.57%
ACL / Loans 1.52%

Capital & Liquidity

CET1 Ratio 10.23%
Tier 1 Capital 10.23%
Total Capital Ratio 10.74%
Leverage Ratio 10.79%
Loan-to-Deposit 77.25%

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