PEOPLES EXCHANGE BANK

MONROEVILLE, AL | Micro | Est. Aug. 23, 1907, midnight | FDIC #70 | RSSD #42037 | FDIC
Latest Report: 2025-12-31

PEOPLES EXCHANGE BANK is amn micro FDIC-insured commercial bank headquartered in MONROEVILLE, AL, established in Aug. 23, 1907, midnight. As of 2025-12-31, the bank reported total assets of $97M and total deposits of $85M. Profitability stands at 1.13% ROA and 10.00% ROE, with a net interest margin of 4.25%. The bank's CET1 capital ratio is 11.34%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.54% and a Texas Ratio of 10.68%. FDIC Certificate #70.

Assets

$97M

Deposits

$85M

Loans

$53M

Equity

$11M

Profitability

Return on Assets (ROA) 1.13%
Return on Equity (ROE) 10.00%
Net Interest Margin (NIM) 4.25%
Yield on Assets 6.03%
Cost of Funds 2.65%

Asset Quality

NPL Ratio 1.54%
Net Charge-Off Ratio 0.01%
Texas Ratio 10.68%
NPA Ratio 1.30%
ACL / Loans 1.48%

Capital & Liquidity

CET1 Ratio 11.34%
Tier 1 Capital 11.34%
Total Capital Ratio 11.91%
Leverage Ratio 13.25%
Loan-to-Deposit 62.60%

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