PEOPLES BANK, THE
PEOPLES BANK, THE is an FDIC-insured commercial bank headquartered in SARDIS, TN, established in 1920. As of , 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 3.91%. CET1 capital ratio: 9.77%. NPL ratio: 0.23% · Texas Ratio: 7.44%. Operates 5 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Over 70% of deposits sit above the $250K FDIC insurance threshold. This is the depositor-concentration profile that triggered Silicon Valley Bank's March 2023 deposit run.
Peoples Bank, the rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
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 |
|---|---|---|---|---|---|
| 2025-12-31 | 9.77% | 0.54% | 0.23% | 7.44% | 3.91% |
| 2025-09-30 | 9.55% | 0.48% | 0.20% | 7.33% | 3.96% |
| 2025-06-30 | 9.36% | 0.48% | 0.19% | 7.61% | 4.01% |
| 2025-03-31 | 8.96% | 0.57% | 0.23% | 8.18% | 3.84% |
| 2024-12-31 | 8.62% | 0.20% | 1.12% | 15.01% | 3.72% |
| 2024-09-30 | 8.97% | 0.68% | 1.27% | 9.30% | 3.66% |
| 2024-06-30 | 8.11% | 0.54% | 0.11% | 0.88% | 3.30% |
| 2024-03-31 | 8.17% | 0.40% | 1.64% | 13.25% | 3.44% |
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Frequently asked about PEOPLES BANK, THE
What are Peoples Bank, the's total assets?
As of the Q4 2025 filing, Peoples Bank, the reported total assets of $110.7 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Peoples Bank, the headquartered?
Peoples Bank, the is headquartered in SARDIS, TN, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Peoples Bank, the founded?
Peoples Bank, the was established in 1920, per the FDIC institution directory.
Is Peoples Bank, the FDIC-insured?
Yes. Peoples Bank, the is an FDIC-insured commercial bank (FDIC Certificate #6110). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Peoples Bank, the?
Peoples Bank, the's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Peoples Bank, the's CET1 capital ratio?
Peoples Bank, the reported a Common Equity Tier 1 (CET1) capital ratio of 9.77% in its most recent quarterly filing — above the regulatory minimum but inside the capital conservation buffer.
How many branches does Peoples Bank, the operate?
Peoples Bank, the operates 5 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Peoples Bank, the's Texas Ratio?
Peoples Bank, the's Texas Ratio is 7.44% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.