PEOPLES BANK, THE

BROWNSTOWN, IN | Small | Est. Jan. 1, 1934, midnight | FDIC #5779 | RSSD #7045 | FDIC
Latest Report: 2025-12-31

PEOPLES BANK, THE is asn small FDIC-insured commercial bank headquartered in BROWNSTOWN, IN, established in Jan. 1, 1934, midnight. As of 2025-12-31, the bank reported total assets of $319M and total deposits of $295M. Profitability stands at 1.17% ROA and 16.81% ROE, with a net interest margin of 3.76%. The bank's CET1 capital ratio is 18.01%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.59% and a Texas Ratio of 3.40%. FDIC Certificate #5779.

Assets

$319M

Deposits

$295M

Loans

$139M

Equity

$23M

Profitability

Return on Assets (ROA) 1.17%
Return on Equity (ROE) 16.81%
Net Interest Margin (NIM) 3.76%
Yield on Assets 4.56%
Cost of Funds 0.79%

Asset Quality

NPL Ratio 0.59%
Net Charge-Off Ratio 0.18%
Texas Ratio 3.40%
NPA Ratio 0.25%
ACL / Loans 0.82%

Capital & Liquidity

CET1 Ratio 18.01%
Tier 1 Capital 18.01%
Total Capital Ratio 18.68%
Leverage Ratio 8.91%
Loan-to-Deposit 46.98%

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