Peoples Bank (Paris, TX)
BankRegReports is independent of Peoples Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Peoples Bank is an FDIC-insured commercial bank headquartered in Paris, TX, established in 1988 (FDIC certificate 27398), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $185.4M, up 7.7% from Q2 2025, the 258th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.56% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 27398
- Headquarters
- Paris, TX
- Established
- 1988
- Total assets, Q2 2026
- $185.4M
- Assets vs Q2 2025
- +7.7%
- Tier 1 leverage ratio, Q2 2026
- 9.56%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 111916656
- Holding company
- TEXAS PEOPLES NATIONAL BANCSHARES, INC.
- Asset rank in state
- 258th of 346 in Texas
Peoples Bank is one of the more profitable banks of its size. Its balance sheet stood at $185 million at June 30, 2026, up 7.7% from a year earlier; it is based in Paris, Texas. It returns 22.8% a year on shareholders' equity, about double the median of 12.5% for the 2,660 banks with $100 million to $1 billion in assets. It also grew deposits 13.0% over the year, about triple the median of 4.0% for banks its size.
Deposits are coming in faster than loans: over the year loans rose 7.2% and deposits rose 13.0%. Unrealized losses on its securities total $2.7 million, equal to 15% of Tier 1 capital, against 20% a year earlier. Where it has less room is capital: it funds 9.56% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Peoples Bank reported a return on assets of 1.82%, a nonperforming-loan ratio of 0.25% and a Texas ratio of 2.21%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Peoples Bank is the 258th largest of the 346 banks headquartered in Texas. From Q1 2026 to Q2 2026, its total assets rose 0.3% to $185.4M, loans rose 3.9% and deposits were flat. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 46.9% of total loans, followed by farmland and other real estate loans at 23.2%. Its 2 offices in the FDIC Summary of Deposits are in Paris, TX. By the capital ratios in its Q2 2026 call report, Peoples Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 35 South Plz, Paris, TX 75460
- County
- Lamar
- Metro Area
- Paris, TX
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- December 15, 1988
- Former names
- Peoples National Bank-Paris (1990-2004)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 33
- Domestic deposits
- $168.4M
- Allowance for credit losses
- $1.2M
- Net charge-offs (YTD)
- $23K
- Average total assets
- $189.0M
- Average total loans
- $145.9M
- Average interest-bearing deposits
- $123.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 15, 1988
- FDIC Cert
- 27398
- Fed RSSD
- 1293078
- Website
- www.pbparis.com →
- Parent Holding Company
- TEXAS PEOPLES NATIONAL BANCSHARES, INC. (RSSD 1406953)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Peoples Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Peoples Bank's total assets ran between $164.6M (Q3 2024) and $185.4M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$185.4M total assets against $172.1M; $170.1M total liabilities against $158.1M.
$146.7M net loans and leases against $136.9M; $168.4M total deposits against $149.0M.
$19.5M securities against $22.9M; $12.4M cash and balances due against $4.8M.
$2.5M total interest income against $2.3M; $724K total interest expense against $662K.
$1.8M net interest income against $1.6M.
$340K total noninterest income against $353K; $1.2M total noninterest expense against $1.2M.
$29K provision for credit losses against $9K.
$862K net income against $749K.
1.82% return on assets against 1.70%; 3.95% net interest margin against 3.85%.
9.56% tier 1 leverage ratio against 9.87%.
Inside the full Peoples Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freePeoples Bank rankings
Its closest position to the top of a national ranking is 716 of 3,611, for ROA; its furthest is 3,068 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.31% (Q3 2024) to 1.85% (Q4 2025) and its net interest margin ran from 3.33% (Q3 2024) to 3.99% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.56% | 1.82% | 0.25% | 2.21% | 3.95% |
| Q1 2026 | 9.80% | 1.77% | 0.09% | 0.79% | 3.92% |
| Q4 2025 | 9.71% | 1.85% | 0.29% | 2.59% | 3.99% |
| Q3 2025 | 9.99% | 1.73% | 0.26% | 2.36% | 3.85% |
| Q2 2025 | 9.87% | 1.70% | 0.33% | 3.01% | 3.85% |
| Q1 2025 | 9.91% | 1.47% | 0.22% | 2.05% | 3.62% |
| Q4 2024 | 9.78% | 1.45% | 0.23% | 2.14% | 3.49% |
| Q3 2024 | 9.87% | 1.31% | 0.24% | 2.04% | 3.33% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Lamar Branch | Paris , TX | 75460 | $136.0M |
| Peoples Bank (main office) | Paris , TX | 75460 | $32.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 16, 1988 | Structure Change | Acquired First National Bank in Bogata Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| December 15, 1988 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 315 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $90K approved, $45K average. 50.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2000 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Peoples Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Peoples Bank
What are Peoples Bank's total assets?
As of the Q2 2026 filing, Peoples Bank reported total assets of $185.4 million in its FFIEC call report.
Where is Peoples Bank headquartered?
It is headquartered in Paris, TX, United States.
When was Peoples Bank founded?
It was established in 1988, per the FDIC institution directory.
Is Peoples Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #27398). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Peoples Bank?
Peoples Bank's primary federal regulator is the FDIC.
How many branches does Peoples Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Peoples Bank's Texas Ratio?
Its Texas Ratio is 2.21% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Peoples Bank previously called?
The charter now named Peoples Bank has also operated as Peoples National Bank-Paris (1990-2004), per FDIC structure-change records.
Go deeper on Peoples Bank.
Get an email when Peoples Bank files its next call report, and benchmark it against any peer you choose.
Unlock Peoples Bank, freeFree account