PEOPLES BANK

BELLINGHAM, WA | Large | Est. Jan. 7, 1921, midnight | FDIC #6158 | RSSD #455972 | FDIC
Latest Report: 2025-12-31

PEOPLES BANK is aln large FDIC-insured commercial bank headquartered in BELLINGHAM, WA, established in Jan. 7, 1921, midnight. As of 2025-12-31, the bank reported total assets of $2.5B and total deposits of $2.1B. Profitability stands at 1.14% ROA and 8.99% ROE, with a net interest margin of 4.28%. The bank's CET1 capital ratio is 12.63%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.08% and a Texas Ratio of 0.67%. FDIC Certificate #6158.

Assets

$2.5B

Deposits

$2.1B

Loans

$2.0B

Equity

$314M

Profitability

Return on Assets (ROA) 1.14%
Return on Equity (ROE) 8.99%
Net Interest Margin (NIM) 4.28%
Yield on Assets 5.58%
Cost of Funds 2.05%

Asset Quality

NPL Ratio 0.08%
Net Charge-Off Ratio 0.02%
Texas Ratio 0.67%
NPA Ratio 0.09%
ACL / Loans 1.50%

Capital & Liquidity

CET1 Ratio 12.63%
Tier 1 Capital 12.63%
Total Capital Ratio 13.26%
Leverage Ratio 12.78%
Loan-to-Deposit 92.64%

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