Peoples Bank (Sheridan, AR)
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 Sheridan, AR, established in 2000 (FDIC certificate 57058), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $313.8M, up 13.5% from Q2 2025, the 49th largest of 78 banks headquartered in Arkansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.33% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 57058
- Headquarters
- Sheridan, AR
- Established
- 2000
- Total assets, Q2 2026
- $313.8M
- Assets vs Q2 2025
- +13.5%
- Tier 1 leverage ratio, Q2 2026
- 13.33%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 082908780
- Latest call report
- Q2 2026, FFIEC 051 · Peoples Bank call report
- Holding company
- PEOPLES BANCORP, INC.
- Asset rank in state
- 49th of 78 in Arkansas
Peoples Bank runs leaner than most banks of its size. The Sheridan, Arkansas bank had $314 million in assets at June 30, 2026, up 13.5% from a year earlier. It spends about 42 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also grew its loan book 18.9% over the year, 3.5 times the median of 5.5% for banks its size.
Net income for the quarter rose 12% from a year earlier, to $1.4 million. Over the same year, loans grew 18.9% and deposits grew 13.8%.
As of June 30, 2026, Peoples Bank reported a return on assets of 1.85%, a nonperforming-loan ratio of 0.03% and a Texas ratio of 0.13%. The figures come from its call report filed with the FFIEC.
Of the 78 banks headquartered in Arkansas, Peoples Bank is the 49th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 3.3% to $313.8M, loans rose 6.4% and deposits rose 3.3%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 25.0% of total loans, ahead of commercial and industrial loans at 17.2%. The FDIC Summary of Deposits lists 3 offices for it, in Sheridan, AR, Little Rock, AR and Benton, AR; its Sheridan office books 71% of its branch deposits. 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
- 1120 S Rock St, Sheridan, AR 72150
- County
- Grant
- Metro Area
- Little Rock-North Little Rock-Conway, AR
- 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 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- September 13, 2000
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 36
- Domestic deposits
- $272.1M
- Allowance for credit losses
- $3.0M
- Net charge-offs (YTD)
- -$2K
- Average total assets
- $307.7M
- Average total loans
- $163.4M
- Average interest-bearing deposits
- $209.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 13, 2000
- FDIC Cert
- 57058
- Fed RSSD
- 2939391
- Website
- http://www.peoplesbankar.com →
- Parent Holding Company
- PEOPLES BANCORP, INC. (RSSD 4639435)
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 $217.5M (Q3 2023) and $313.8M (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
$313.8M total assets against $276.4M; $274.7M total liabilities against $241.7M.
$165.3M net loans and leases against $139.2M; $272.1M total deposits against $239.1M.
$108.5M securities against $100.2M; $29.1M cash and balances due against $26.3M.
$4.5M total interest income against $4.1M; $1.3M total interest expense against $1.3M.
$3.2M net interest income against $2.8M.
$334K total noninterest income against $372K; $1.5M total noninterest expense against $1.4M.
$145K provision for credit losses against $65K.
$1.4M net income against $1.3M.
1.85% return on assets against 1.82%; 4.29% net interest margin against 4.23%.
13.33% tier 1 leverage ratio against 13.48%.
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 258 of 3,606, for efficiency ratio; its furthest is 3,211 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.54% (Q4 2024) to 1.85% (Q3 2025) and its net interest margin ran from 4.09% (Q4 2024) to 4.49% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.33% | 1.85% | 0.03% | 0.13% | 4.29% |
| Q1 2026 | 13.39% | 1.79% | 0.01% | 0.05% | 4.21% |
| Q4 2025 | 13.41% | 1.61% | 0.01% | 0.03% | 4.40% |
| Q3 2025 | 13.76% | 1.85% | 0.01% | 0.03% | 4.49% |
| Q2 2025 | 13.48% | 1.82% | 0.04% | 0.14% | 4.23% |
| Q1 2025 | 13.68% | 1.75% | 0.04% | 0.15% | 4.15% |
| Q4 2024 | 13.54% | 1.54% | 0.03% | 0.13% | 4.09% |
| Q3 2024 | 14.20% | 1.79% | 0.04% | 0.14% | 4.21% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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) | Sheridan , AR | 72150 | $193.6M |
| Peoples Bank (East End) | Little Rock , AR | 72206 | $52.7M |
| Peoples Bank Benton Branch | Benton , AR | 72015 | $25.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in AR, rank 60 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 $313.8 million in its FFIEC call report.
Where is Peoples Bank headquartered?
It is headquartered in Sheridan, AR, United States.
When was Peoples Bank founded?
It was established in 2000, per the FDIC institution directory.
Is Peoples Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57058). 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.
How many branches does Peoples Bank operate?
It operates 3 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 0.13% 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.
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