BanksPEOPLES BANK

PEOPLES BANK

CHATHAM, LAMicroEst. Jan. 1, 1908, midnightFDIC #9328RSSD #923257FDIC
Latest · 2025-12-31

PEOPLES BANK is an 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%. CET1 capital ratio: 14.74%, well above regulatory minimums. NPL ratio: 0.95% · Texas Ratio: 4.76%. Operates 1 domestic branch.

Assets
$87M
Deposits
$74M
Loans
$67M
Equity
$13M

Profitability

Return on Assets (ROA)-1.65%
Return on Equity (ROE)-11.33%
Net Interest Margin4.43%
Yield on Assets7.60%
Cost of Funds3.44%

Asset Quality

NPL Ratio0.95%
Net Charge-Off Ratio1.21%
Texas Ratio4.76%
NPA Ratio0.74%
ACL / Loans1.32%

Capital & Liquidity

CET1 Ratio14.74%
Tier 1 Capital14.74%
Total Capital Ratio15.99%
Leverage Ratio10.55%
Loan-to-Deposit91.15%

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