Peoples Bank (Clifton, TN)
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Data as of · sourced from FFIEC call reports. How we update
Peoples Bank is an FDIC-insured commercial bank headquartered in Clifton, TN, established in 1890 (FDIC certificate 9489), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $445.3M, up 11.5% from Q2 2025, the 57th largest of 109 banks headquartered in Tennessee. Its CET1 capital ratio was 14.35% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 9489
- Headquarters
- Clifton, TN
- Established
- 1890
- Total assets, Q2 2026
- $445.3M
- Assets vs Q2 2025
- +11.5%
- CET1 ratio, Q2 2026
- 14.35%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 064103464
- Latest call report
- Q2 2026, FFIEC 051 · Peoples Bank call report
- Holding company
- P B BANCSHARES, INC.
- Asset rank in state
- 57th of 109 in Tennessee
Peoples Bank earns an unusually wide margin on its lending. The Clifton, Tennessee bank had $445 million in assets at June 30, 2026, up 11.5% from a year earlier. It keeps 4.87 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also grew its loan book 20.2% over the year, 3.7 times the median of 5.5% for banks its size.
Net income for the quarter slipped 21% from a year earlier, to $1.3 million. Over the same year, loans grew 20.2% and deposits grew 9.1%. Funding is the softer spot: it pays an average of 2.41% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, Peoples Bank reported a CET1 capital ratio of 14.35%, a return on assets of 1.18%, a nonperforming-loan ratio of 0.39% and a Texas ratio of 2.44%. The figures come from its call report filed with the FFIEC.
Of the 109 banks headquartered in Tennessee, Peoples Bank is the 57th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 3.8% to $445.3M, loans rose 8.3% and deposits rose 1.9%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 29.0% of total loans, ahead of owner-occupied commercial real estate loans at 23.1%. Its 5 offices in the FDIC Summary of Deposits are in 5 cities in TN; its Clifton office books 36% of its branch deposits. Judged on its Q2 2026 call report, Peoples Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 129 Main St, Clifton, TN 38425
- County
- Wayne
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1890
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 67
- Domestic deposits
- $376.4M
- Allowance for credit losses
- $3.3M
- Net charge-offs (YTD)
- $451K
- Average total assets
- $435.5M
- Average total loans
- $346.0M
- Average interest-bearing deposits
- $373.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9489
- Fed RSSD
- 148238
- Website
- pbbanking.com →
- Parent Holding Company
- P B BANCSHARES, INC. (RSSD 1083952)
- Ultimate Parent
- RSSD 4262525
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Peoples Bank's total assets moved between a low of $346.0M (Q3 2023) and a high of $445.3M (Q2 2026) from Q3 2023 to 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
$445.3M total assets against $399.6M; $391.2M total liabilities against $350.4M.
$356.9M net loans and leases against $296.5M; $376.4M total deposits against $345.1M.
$23.2M securities against $23.7M; $40.3M cash and balances due against $58.4M.
$7.6M total interest income against $7.6M; $2.6M total interest expense against $2.8M.
$5.0M net interest income against $4.9M.
$219K total noninterest income against $312K; $3.1M total noninterest expense against $2.9M.
$522K provision for credit losses against $218K.
$1.3M net income against $1.6M.
1.18% return on assets against 1.58%; 4.87% net interest margin against 5.01%.
14.35% CET1 capital ratio against 16.29%; 12.72% tier 1 leverage ratio against 12.43%.
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 1,917 of 4,196, for total assets; its furthest is 2,084 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.18% (Q2 2026) to 2.04% (Q3 2024) and its net interest margin ran from 4.87% (Q2 2026) to 5.55% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.35% | 1.18% | 0.39% | 2.44% | 4.87% |
| Q1 2026 | 15.14% | 1.80% | 0.35% | 6.49% | 5.25% |
| Q4 2025 | 15.87% | 1.32% | 0.39% | 6.74% | 5.13% |
| Q3 2025 | 16.45% | 1.54% | 0.23% | 1.28% | 5.19% |
| Q2 2025 | 16.29% | 1.58% | 0.38% | 2.17% | 5.01% |
| Q1 2025 | 15.72% | 1.77% | 0.59% | 3.58% | 5.07% |
| Q4 2024 | 14.99% | 1.81% | 0.27% | 1.67% | 5.55% |
| Q3 2024 | 15.24% | 2.04% | 0.26% | 2.22% | 5.55% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 |
|---|---|---|---|
| Peoples Bank (main office) | Clifton , TN | 38425 | $134.1M |
| Waynesboro Branch | Waynesboro , TN | 38485 | $83.2M |
| Hohenwald Branch | Hohenwald , TN | 38462 | $79.2M |
| Peoples Bank Branch | Collinwood , TN | 38450 | $45.1M |
| Peoples Bank - Summertown Branch | Mount Pleasant , TN | 38474 | $34.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in TN, rank 82 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $1.5M approved, $1.5M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2011 (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
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Frequently asked about Peoples Bank
What are Peoples Bank's total assets?
As of the Q2 2026 filing, Peoples Bank reported total assets of $445.3 million in its FFIEC call report.
Where is Peoples Bank headquartered?
It is headquartered in Clifton, TN, United States.
When was Peoples Bank founded?
It was established in 1890, per the FDIC institution directory.
Is Peoples Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9489). 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 Federal Reserve.
What is Peoples Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.35% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Peoples Bank operate?
It operates 5 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 2.44% 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.
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