Bank Comparison
The Peoples Bank vs The American National Bank of Mount Pleasant
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
5 · 8
winning metrics across 13 scored rows
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Capital adequacy
| Metric | The Peoples Bank | The American National Bank of Mount Pleasant |
|---|---|---|
| CET1 Ratio | 17.46% | — |
| Tier 1 Capital Ratio | 17.46% | — |
| Total Capital Ratio | 18.72% | — |
| Tier 1 Leverage Ratio | 10.82% | 12.82% |
| Equity / Assets | 8.05% | 9.66% |
Profitability
| Metric | The Peoples Bank | The American National Bank of Mount Pleasant |
|---|---|---|
| Return on Assets (ROA) | 2.27% | 1.36% |
| Return on Equity (ROE) | 29.09% | 15.02% |
| Net Interest Margin (NIM) | 4.97% | 5.17% |
| Yield on Earning Assets | 6.05% | 6.61% |
| Cost of Funds | 1.21% | 1.54% |
Asset quality
| Metric | The Peoples Bank | The American National Bank of Mount Pleasant |
|---|---|---|
| Texas Ratio | 12.35% | 0.00% |
| Non-Performing Loan Ratio | 1.55% | 0.00% |
| Non-Performing Asset Ratio | 1.12% | 0.00% |
| Net Charge-Off Ratio | -0.01% | 0.03% |
| ACL / Loans | 1.37% | 1.95% |
Balance sheet
| Metric | The Peoples Bank | The American National Bank of Mount Pleasant |
|---|---|---|
| Total Assets | $145.0M | $144.6M |
| Total Deposits | $132.6M | $130.3M |
| Total Loans | $104.1M | $93.3M |
| Total Equity | $11.7M | $14.0M |
| Net Income (quarter) | $844K | $503K |
Liquidity & funding
| Metric | The Peoples Bank | The American National Bank of Mount Pleasant |
|---|---|---|
| Loan-to-Deposit Ratio | 78.52% | 71.63% |
| Core Deposit Ratio | 93.95% | 88.76% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | The Peoples Bank | The American National Bank of Mount Pleasant |
|---|---|---|
| Headquarters City | Taylorsville | Mount Pleasant |
| Headquarters State | KY | TX |
| Asset Tier | $100M to $1B in assets | $100M to $1B in assets |
| Regulator | FDIC | OCC |
| Domestic Branches | 2 | 1 |
| Employees (FTE) | 31 | 28 |
| Established | February 3, 1903 | August 31, 1979 |
About this comparison
All metrics are sourced from FFIEC call report filings, the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of June 30, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
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