BanksPEOPLES BANK, THE

PEOPLES BANK, THE

PRATT, KSMediumEst. May 20, 1887, midnightFDIC #1147RSSD #530655FED
Latest · 2025-12-31

PEOPLES BANK, THE is an 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%. CET1 capital ratio: 14.45%, well above regulatory minimums. NPL ratio: 0.79% · Texas Ratio: 16.37%. Operates 5 domestic branches.

Assets
$556M
Deposits
$517M
Loans
$269M
Equity
$36M

Profitability

Return on Assets (ROA)2.01%
Return on Equity (ROE)30.26%
Net Interest Margin3.58%
Yield on Assets5.38%
Cost of Funds1.78%

Asset Quality

NPL Ratio0.79%
Net Charge-Off Ratio0.36%
Texas Ratio16.37%
NPA Ratio1.19%
ACL / Loans1.51%

Capital & Liquidity

CET1 Ratio14.45%
Tier 1 Capital14.45%
Total Capital Ratio15.70%
Leverage Ratio8.55%
Loan-to-Deposit52.10%

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