PEOPLES BANK, THE

MAGNOLIA, AR | Small | Est. Jan. 1, 1910, midnight | FDIC #12531 | RSSD #712648 | FDIC
Latest Report: 2025-12-31

PEOPLES BANK, THE is asn small FDIC-insured commercial bank headquartered in MAGNOLIA, AR, established in Jan. 1, 1910, midnight. As of 2025-12-31, the bank reported total assets of $194M and total deposits of $135M. Profitability stands at 2.21% ROA and 15.77% ROE, with a net interest margin of 5.62%. The bank's CET1 capital ratio is 19.41%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 2.19% and a Texas Ratio of 11.14%. FDIC Certificate #12531.

Assets

$194M

Deposits

$135M

Loans

$153M

Equity

$27M

Profitability

Return on Assets (ROA) 2.21%
Return on Equity (ROE) 15.77%
Net Interest Margin (NIM) 5.62%
Yield on Assets 7.25%
Cost of Funds 1.76%

Asset Quality

NPL Ratio 2.19%
Net Charge-Off Ratio 0.52%
Texas Ratio 11.14%
NPA Ratio 1.72%
ACL / Loans 1.85%

Capital & Liquidity

CET1 Ratio 19.41%
Tier 1 Capital 19.41%
Total Capital Ratio 20.67%
Leverage Ratio 13.31%
Loan-to-Deposit 113.00%

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