PEOPLES BANK, THE

SARDIS, TN | Small | Est. Dec. 20, 1920, midnight | FDIC #6110 | RSSD #591357 | FDIC
Latest Report: 2025-12-31

PEOPLES BANK, THE is asn small FDIC-insured commercial bank headquartered in SARDIS, TN, established in Dec. 20, 1920, midnight. As of 2025-12-31, the bank reported total assets of $111M and total deposits of $99M. Profitability stands at 0.54% ROA and 5.55% ROE, with a net interest margin of 4.13%. The bank's CET1 capital ratio is 9.73%. Asset quality metrics show a non-performing loan ratio of 0.23% and a Texas Ratio of 7.44%. FDIC Certificate #6110.

Assets

$111M

Deposits

$99M

Loans

$71M

Equity

$11M

Profitability

Return on Assets (ROA) 0.54%
Return on Equity (ROE) 5.55%
Net Interest Margin (NIM) 4.13%
Yield on Assets 6.05%
Cost of Funds 2.56%

Asset Quality

NPL Ratio 0.23%
Net Charge-Off Ratio 0.20%
Texas Ratio 7.44%
NPA Ratio 0.77%
ACL / Loans 0.85%

Capital & Liquidity

CET1 Ratio 9.73%
Tier 1 Capital 9.73%
Total Capital Ratio 10.21%
Leverage Ratio 10.55%
Loan-to-Deposit 71.74%

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