PEOPLES BANK

LUBBOCK, TX | Large | Est. Feb. 13, 1968, midnight | FDIC #19788 | RSSD #819855 | FED
Latest Report: 2025-12-31

PEOPLES BANK is aln large FDIC-insured commercial bank headquartered in LUBBOCK, TX, established in Feb. 13, 1968, midnight. As of 2025-12-31, the bank reported total assets of $1.2B and total deposits of $1.0B. Profitability stands at 1.88% ROA and 19.22% ROE, with a net interest margin of 4.77%. The bank's CET1 capital ratio is 14.28%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.78% and a Texas Ratio of 4.93%. FDIC Certificate #19788.

Assets

$1.2B

Deposits

$1.0B

Loans

$768M

Equity

$115M

Profitability

Return on Assets (ROA) 1.88%
Return on Equity (ROE) 19.22%
Net Interest Margin (NIM) 4.77%
Yield on Assets 6.43%
Cost of Funds 3.20%

Asset Quality

NPL Ratio 0.78%
Net Charge-Off Ratio 0.02%
Texas Ratio 4.93%
NPA Ratio 0.52%
ACL / Loans 0.84%

Capital & Liquidity

CET1 Ratio 14.28%
Tier 1 Capital 14.28%
Total Capital Ratio 15.04%
Leverage Ratio 10.55%
Loan-to-Deposit 74.10%

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