The Peoples Bank (Pratt, KS): Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
The Peoples Bank is one of the more profitable banks of its size. Its balance sheet stood at $531 million at June 30, 2026, up 1.7% from a year earlier; it is based in Pratt, Kansas. It earns about $2.44 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it carries problem assets equal to 15.5% of the capital and reserves that would absorb them, 5.9 times the median of 2.6% for banks its size. Much of that comes from cost control: it spends about 49 cents to bring in each dollar of revenue.
Earnings jumped: net income for the quarter was $3.3 million, 83% above the same quarter a year earlier. Over the same year, loans grew 4.5% and deposits grew 0.6%. Where it has less room is capital: it funds 9.29% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, The Peoples Bank reported a CET1 capital ratio of 15.52%, a return on assets of 2.44%, a nonperforming-loan ratio of 0.37% and a Texas ratio of 15.48%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 222 S Main St, Pratt, KS 67124
- County
- Pratt
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Trust powers grandfathered
- Call Report form
- FFIEC 051
- Established
- May 20, 1887
- Offices
- 5 domestic
- Employees (FTE)
- 76
- Domestic deposits
- $486.6M
- Allowance for credit losses
- $4.4M
- Net charge-offs (YTD)
- $4K
- Average total assets
- $540.7M
- Average total loans
- $260.0M
- Average interest-bearing deposits
- $330.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1147
- Fed RSSD
- 530655
- Website
- www.tpb.bank →
- Parent Holding Company
- PEOPLES BANKSHARES LTD., THE (RSSD 1056657)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full The Peoples Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock The Peoples Bank, freeThe Peoples Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for The Peoples Bank: ROA.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.52% | 2.44% | 0.33% | 15.48% | 4.04% |
| Q1 2026 | 15.22% | 3.58% | 0.26% | 15.09% | 3.67% |
| Q4 2025 | 14.45% | 2.01% | 0.79% | 21.38% | 3.54% |
| Q3 2025 | 15.06% | 1.50% | 0.65% | 20.29% | 3.40% |
| Q2 2025 | 14.88% | 1.33% | 0.27% | 16.58% | 3.54% |
| Q1 2025 | 14.95% | 1.57% | 0.26% | 17.03% | 3.47% |
| Q4 2024 | 14.61% | 1.76% | 1.91% | 19.68% | 3.38% |
| Q3 2024 | 15.20% | 1.85% | 2.06% | 18.67% | 3.60% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 5 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Peoples Bank | Pratt , KS | 67124 | $293.2M |
| Smith Center Branch | Smith Center , KS | 66967 | $63.8M |
| Medicine Lodge Branch | Medicine Lodge , KS | 67104 | $58.1M |
| Osborne Branch | Osborne , KS | 67473 | $52.4M |
| Greensburg Branch | Greensburg , KS | 67054 | $19.0M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| February 14, 2020 | M&A | Acquired The Farmers Bank of Osborne merger for the acquired bank | SEC |
| February 14, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 14, 2020 | Structure Change | Acquired The Farmers Bank of Osborne Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 13, 2008 | M&A | Acquired The Smith County State Bank and Trust Company merger for the acquired bank | SEC |
| June 13, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 13, 2008 | Structure Change | Acquired The Smith County State Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 29, 2002 | M&A | Acquired The Farmers State Bank merger for the acquired bank | SEC |
| March 29, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 29, 2002 | Structure Change | Acquired The Farmers State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 1991 | M&A | Acquired The Sharon Valley State Bank merger for the acquired bank | SEC |
| May 1, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 1991 | Structure Change | Acquired The Sharon Valley State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 10, 1990 | M&A | Acquired Valley Savings, a Federal Savings and Loan Association Hutchinson failure_government_assistance_provided for the acquired bank | SEC |
| November 10, 1990 | Structure Change | Acquired Valley Savings, a Federal Savings and Loan Association Hutchinson Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 14 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for The Peoples Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.5% of deposits in KS, rank 47 of 233 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $160K approved, $160K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about The Peoples Bank
What are The Peoples Bank's total assets?
As of the Q2 2026 filing, The Peoples Bank reported total assets of $531.1 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The Peoples Bank headquartered?
The Peoples Bank is headquartered in Pratt, KS, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was The Peoples Bank founded?
The Peoples Bank was established in 1887, per the FDIC institution directory.
Is The Peoples Bank FDIC-insured?
Yes. The Peoples Bank is an FDIC-insured commercial bank (FDIC Certificate #1147). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Peoples Bank?
The Peoples Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is The Peoples Bank's CET1 capital ratio?
The Peoples Bank reported a Common Equity Tier 1 (CET1) capital ratio of 15.52% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Peoples Bank operate?
The Peoples Bank operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Peoples Bank's Texas Ratio?
The Peoples Bank's Texas Ratio is 15.48% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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