BanksPEOPLES EXCHANGE BANK

PEOPLES EXCHANGE BANK

MONROEVILLE, ALMicroEst. Aug. 23, 1907, midnightFDIC #70RSSD #42037FDIC
Latest · 2025-12-31

PEOPLES EXCHANGE BANK is an 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%. CET1 capital ratio: 11.34%, well above regulatory minimums. NPL ratio: 1.54% · Texas Ratio: 10.68%. Operates 1 domestic branch.

Assets
$97M
Deposits
$85M
Loans
$53M
Equity
$11M

Profitability

Return on Assets (ROA)1.13%
Return on Equity (ROE)10.00%
Net Interest Margin4.25%
Yield on Assets6.03%
Cost of Funds1.87%

Asset Quality

NPL Ratio1.54%
Net Charge-Off Ratio0.01%
Texas Ratio10.68%
NPA Ratio1.30%
ACL / Loans1.48%

Capital & Liquidity

CET1 Ratio11.34%
Tier 1 Capital11.34%
Total Capital Ratio11.91%
Leverage Ratio13.25%
Loan-to-Deposit62.60%

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