Peoples Bank of Graceville
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Data as of · sourced from FFIEC call reports. How we update
Peoples Bank of Graceville is an FDIC-insured commercial bank headquartered in Graceville, FL, established in 1974 (FDIC certificate 21692), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $115.8M, up 4.3% from Q2 2025, the 74th largest of 81 banks headquartered in Florida. Its CET1 capital ratio was 30.21% 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
- 21692
- Headquarters
- Graceville, FL
- Established
- 1974
- Total assets, Q2 2026
- $115.8M
- Assets vs Q2 2025
- +4.3%
- CET1 ratio, Q2 2026
- 30.21%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 063209660
- Latest call report
- Q2 2026, FFIEC 051 · Peoples Bank of Graceville Q3 2026 call report, filed October 26, 2026 (preliminary)
- Holding company
- PBG FINANCIAL SERVICES, INC.
- Asset rank in state
- 74th of 81 in Florida
Problem loans are rising at Peoples Bank of Graceville. Based in Graceville, Florida, it had $116 million in assets at June 30, 2026, up 4.3% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.34% of loans from 0.00% a year earlier. It keeps 2.49 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 3.96 cents). On the other hand, it holds common equity equal to 30.21% of its risk-weighted assets, about double the median of 15.11% for banks its size.
Earnings jumped: net income for the quarter was $312,000, 39% above the same quarter a year earlier. Unrealized losses on its securities total $3.5 million, equal to 28% of Tier 1 capital, against 32% a year earlier.
As of June 30, 2026, Peoples Bank of Graceville reported a CET1 capital ratio of 30.21%, a return on assets of 1.04%, a nonperforming-loan ratio of 0.34% and a Texas ratio of 1.62%. The figures come from its call report filed with the FFIEC.
Of the 81 banks headquartered in Florida, Peoples Bank of Graceville is the 74th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 1.9% to $115.8M, loans rose 3.5% and deposits fell 2.4%. 1-4 family residential loans made up 50.4% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 18.3%. Its one office in the FDIC Summary of Deposits is in Graceville, FL. On its Q2 2026 call report, Peoples Bank of Graceville meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 5306 Brown St, Graceville, FL 32440
- County
- Jackson
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 12, 1974
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 13
- Domestic deposits
- $106.5M
- Allowance for credit losses
- $378K
- Net charge-offs (YTD)
- $4K
- Average total assets
- $120.3M
- Average total loans
- $40.9M
- Average interest-bearing deposits
- $85.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 12, 1974
- FDIC Cert
- 21692
- Fed RSSD
- 717232
- Website
- www.peoplesgraceville.com →
- Parent Holding Company
- PBG FINANCIAL SERVICES, INC. (RSSD 1085415)
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 of Graceville's total assets moved between a low of $111.0M (Q2 2025) and a high of $119.9M (Q1 2024) 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
$115.8M total assets against $111.0M; $107.2M total liabilities against $103.8M.
$42.3M net loans and leases against $39.3M; $106.5M total deposits against $103.1M.
$69.3M securities against $66.5M; $3.0M cash and balances due against $4.1M.
$1.2M total interest income against $1.1M; $492K total interest expense against $520K.
$729K net interest income against $625K.
$94K total noninterest income against $85K; $511K total noninterest expense against $486K.
No provision recorded in the last 12 quarters.
$312K net income against $224K.
1.04% return on assets against 0.79%; 2.49% net interest margin against 2.27%.
30.21% CET1 capital ratio against 31.36%; 10.29% tier 1 leverage ratio against 10.68%.
Inside the full Peoples Bank of Graceville terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses equal to more than a quarter of book equity. Because HTM is held at amortized cost, these losses are not reflected in reported capital, the dynamic that masked Silicon Valley Bank's insolvency before its March 2023 failure. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Peoples Bank of Graceville rankings
Its closest position to the top of a national ranking is 78 of 2,134, for CET1 ratio; its furthest is 3,546 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.68% (Q3 2024) to 1.04% (Q4 2025) and its net interest margin ran from 2.13% (Q3 2024) to 2.52% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 30.21% | 1.04% | 0.34% | 1.62% | 2.49% |
| Q1 2026 | 29.39% | 0.94% | 0.35% | 1.69% | 2.39% |
| Q4 2025 | 29.63% | 1.04% | 0.00% | 0.00% | 2.52% |
| Q3 2025 | 29.98% | 0.85% | 0.00% | 0.00% | 2.36% |
| Q2 2025 | 31.36% | 0.79% | 0.00% | 0.00% | 2.27% |
| Q1 2025 | 29.85% | 0.73% | 0.00% | 0.00% | 2.21% |
| Q4 2024 | 28.96% | 0.73% | 0.01% | 0.03% | 2.23% |
| Q3 2024 | 30.01% | 0.68% | 0.00% | 0.00% | 2.13% |
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 of Graceville (main office) | Graceville , FL | 32440 | $106.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in FL, rank 145 of 186 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
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Frequently asked about Peoples Bank of Graceville
What are Peoples Bank of Graceville's total assets?
As of the Q2 2026 filing, Peoples Bank of Graceville reported total assets of $115.8 million in its FFIEC call report.
Where is Peoples Bank of Graceville headquartered?
It is headquartered in Graceville, FL, United States.
When was Peoples Bank of Graceville founded?
It was established in 1974, per the FDIC institution directory.
Is Peoples Bank of Graceville FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #21692). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Peoples Bank of Graceville?
Peoples Bank of Graceville's primary federal regulator is the FDIC.
What is Peoples Bank of Graceville's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 30.21% 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 of Graceville 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 of Graceville's Texas Ratio?
Its Texas Ratio is 1.62% 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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