Peoples Bank (Chatham, LA)
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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 Chatham, LA, established in 1908 (FDIC certificate 9328), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $86.1M, down 3.8% from Q2 2025, the 95th largest of 102 banks headquartered in Louisiana. Its CET1 capital ratio was 15.75% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 9328
- Headquarters
- Chatham, LA
- Established
- 1908
- Total assets, Q2 2026
- $86.1M
- Assets vs Q2 2025
- -3.8%
- CET1 ratio, Q2 2026
- 15.75%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 111101597
- Latest call report
- Q2 2026, FFIEC 051 · Peoples Bank call report
- Holding company
- HOMELAND BANCSHARES, INC.
- Asset rank in state
- 95th of 102 in Louisiana
Peoples Bank earns an unusually wide margin on its lending. Based in Chatham, Louisiana, it had $86 million in assets at June 30, 2026, down 3.8% from a year earlier. It keeps 5.53 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 583 banks with less than $100 million in assets (median 3.87 cents). On the other hand, it pays an average of 3.13% on its deposits and borrowings, about double the median of 1.53% for banks its size.
Earnings jumped: net income for the quarter was $456,000, 66% above the same quarter a year earlier. Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 1.32% of loans from 4.13%. Concentration is the risk to watch: it holds commercial real estate loans worth 1.5 times its capital, 5.6 times the median of 26% for banks its size.
As of June 30, 2026, Peoples Bank reported a CET1 capital ratio of 15.75%, a return on assets of 2.12%, a nonperforming-loan ratio of 1.32% and a Texas ratio of 9.29%. The figures come from its call report filed with the FFIEC.
Of the 102 banks headquartered in Louisiana, Peoples Bank is the 95th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.3% to $86.1M, loans rose 0.7% and deposits fell 1.9%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 43.8% of total loans, ahead of commercial and industrial loans at 17.5%. Its one office in the FDIC Summary of Deposits is in Chatham, LA. On its Q2 2026 call report, Peoples Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 6689 Highway 34, Chatham, LA 71226
- County
- Jackson
- 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
- January 1, 1908
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 11
- Domestic deposits
- $72.4M
- Allowance for credit losses
- $1.0M
- Net charge-offs (YTD)
- -$69K
- Average total assets
- $86.2M
- Average total loans
- $68.5M
- Average interest-bearing deposits
- $67.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9328
- Fed RSSD
- 923257
- SEC CIK
- 1932163 → filed by HOMELAND BANCSHARES, INC.
- Website
- www.thepeoplesbankla.com →
- Parent Holding Company
- HOMELAND BANCSHARES, INC. (RSSD 3816547)
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
Over the 12 quarters to Q2 2026, Peoples Bank's total assets ran between $82.7M (Q4 2023) and $90.3M (Q1 2025), and it earned a profit in 8 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$86.1M total assets against $89.5M; $72.9M total liabilities against $77.5M.
$68.0M net loans and leases against $69.8M; $72.4M total deposits against $76.8M.
$1.8M securities against $1.7M; $9.1M cash and balances due against $10.3M.
$1.7M total interest income against $1.6M; $569K total interest expense against $683K.
$1.1M net interest income against $896K.
$40K total noninterest income against $44K; $605K total noninterest expense against $666K.
$78K provision for credit losses against $0.
$456K net income against $274K.
2.12% return on assets against 1.22%; 5.53% net interest margin against 4.36%.
15.75% CET1 capital ratio against 13.06%; 11.66% tier 1 leverage ratio against 9.63%.
Inside the full Peoples Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeQuarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -1.64% (Q4 2025) to 4.13% (Q3 2025) and its net interest margin ran from 3.69% (Q3 2024) to 5.90% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.75% | 2.12% | 1.32% | 9.29% | 5.53% |
| Q1 2026 | 15.59% | 1.37% | 1.63% | 11.20% | 4.23% |
| Q4 2025 | 14.74% | -1.64% | 0.95% | 6.54% | 4.40% |
| Q3 2025 | 15.01% | 4.13% | 2.10% | 14.45% | 5.90% |
| Q2 2025 | 13.06% | 1.22% | 4.13% | 32.01% | 4.36% |
| Q1 2025 | 12.31% | 0.99% | 4.51% | 36.86% | 3.78% |
| Q4 2024 | 12.00% | -0.69% | 4.14% | 34.45% | 3.92% |
| Q3 2024 | 12.73% | 0.51% | 4.46% | 36.03% | 3.69% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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) | Chatham , LA | 71226 | $72.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in LA, rank 108 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $100K approved, $100K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1999 (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 $86.1 million in its FFIEC call report.
Where is Peoples Bank headquartered?
It is headquartered in Chatham, LA, United States.
When was Peoples Bank founded?
It was established in 1908, per the FDIC institution directory.
Is Peoples Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9328). 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.
What is Peoples Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.75% 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 1 domestic office, 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 9.29% 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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