PEOPLES BANK OF GRACEVILLE

GRACEVILLE, FL | Small | Est. July 12, 1974, midnight | FDIC #21692 | RSSD #717232 | FDIC
Latest Report: 2025-12-31

PEOPLES BANK OF GRACEVILLE is asn small FDIC-insured commercial bank headquartered in GRACEVILLE, FL, established in July 12, 1974, midnight. As of 2025-12-31, the bank reported total assets of $113M and total deposits of $104M. Profitability stands at 1.06% ROA and 15.78% ROE, with a net interest margin of 2.73%. The bank's CET1 capital ratio is 29.63%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #21692.

Assets

$113M

Deposits

$104M

Loans

$41M

Equity

$8M

Profitability

Return on Assets (ROA) 1.06%
Return on Equity (ROE) 15.78%
Net Interest Margin (NIM) 2.73%
Yield on Assets 4.65%
Cost of Funds 2.57%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio -0.02%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.94%

Capital & Liquidity

CET1 Ratio 29.63%
Tier 1 Capital 29.63%
Total Capital Ratio 30.66%
Leverage Ratio 10.09%
Loan-to-Deposit 38.90%

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