PEOPLES BANK

CHATHAM, LA | Micro | Est. Jan. 1, 1908, midnight | FDIC #9328 | RSSD #923257 | FDIC
Latest Report: 2025-12-31

PEOPLES BANK is amn micro FDIC-insured commercial bank headquartered in CHATHAM, LA, established in Jan. 1, 1908, midnight. As of 2025-12-31, the bank reported total assets of $87M and total deposits of $74M. Profitability stands at -1.65% ROA and -11.33% ROE, with a net interest margin of 4.43%. The bank's CET1 capital ratio is 14.74%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.95% and a Texas Ratio of 4.76%. FDIC Certificate #9328.

Assets

$87M

Deposits

$74M

Loans

$67M

Equity

$13M

Profitability

Return on Assets (ROA) -1.65%
Return on Equity (ROE) -11.33%
Net Interest Margin (NIM) 4.43%
Yield on Assets 7.60%
Cost of Funds 3.74%

Asset Quality

NPL Ratio 0.95%
Net Charge-Off Ratio 1.21%
Texas Ratio 4.76%
NPA Ratio 0.74%
ACL / Loans 1.32%

Capital & Liquidity

CET1 Ratio 14.74%
Tier 1 Capital 14.74%
Total Capital Ratio 15.99%
Leverage Ratio 10.55%
Loan-to-Deposit 91.15%

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