PEOPLES BANK, THE

PRATT, KS | Medium | Est. May 20, 1887, midnight | FDIC #1147 | RSSD #530655 | FED
Latest Report: 2025-12-31

PEOPLES BANK, THE is amn medium FDIC-insured commercial bank headquartered in PRATT, KS, established in May 20, 1887, midnight. As of 2025-12-31, the bank reported total assets of $556M and total deposits of $517M. Profitability stands at 2.01% ROA and 30.26% ROE, with a net interest margin of 3.58%. The bank's CET1 capital ratio is 14.45%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.79% and a Texas Ratio of 16.37%. FDIC Certificate #1147.

Assets

$556M

Deposits

$517M

Loans

$269M

Equity

$36M

Profitability

Return on Assets (ROA) 2.01%
Return on Equity (ROE) 30.26%
Net Interest Margin (NIM) 3.58%
Yield on Assets 5.38%
Cost of Funds 1.78%

Asset Quality

NPL Ratio 0.79%
Net Charge-Off Ratio 0.36%
Texas Ratio 16.37%
NPA Ratio 1.19%
ACL / Loans 1.51%

Capital & Liquidity

CET1 Ratio 14.45%
Tier 1 Capital 14.45%
Total Capital Ratio 15.70%
Leverage Ratio 8.55%
Loan-to-Deposit 52.10%

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