Peoples Bank the
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Data as of · sourced from FFIEC call reports. How we update
Peoples Bank the is an FDIC-insured commercial bank headquartered in Iva, SC, established in 1951 (FDIC certificate 16968), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $446.7M, up 2.7% from Q2 2025, the 24th largest of 43 banks headquartered in South Carolina. Its CET1 capital ratio was 18.19% 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
- 16968
- Headquarters
- Iva, SC
- Established
- 1951
- Total assets, Q2 2026
- $446.7M
- Assets vs Q2 2025
- +2.7%
- CET1 ratio, Q2 2026
- 18.19%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 053207533
- Latest call report
- Q2 2026, FFIEC 051 · Peoples Bank the call report
- Holding company
- PEOPLES FINANCIAL GROUP, INC.
- Asset rank in state
- 24th of 43 in South Carolina
Peoples Bank the, based in Iva, South Carolina, reported $447 million in assets at June 30, 2026, up 2.7% from a year earlier. It pays an average of 0.89% on its deposits and borrowings, about half the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 2.6%).
Net income for the quarter rose 11% from a year earlier, to $1.9 million. Over the same year, loans grew 9.9% and deposits grew 0.8%.
As of June 30, 2026, Peoples Bank the reported a CET1 capital ratio of 18.19%, a return on assets of 1.68%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 43 banks headquartered in South Carolina, Peoples Bank the is the 24th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.6% to $446.7M, loans rose 5.1% and deposits rose 0.1%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 38.7% of total loans, followed by non-owner-occupied commercial real estate loans at 23.4%. The FDIC Summary of Deposits lists 8 offices for it, in 4 cities in SC; its Anderson 5 offices book 70% of its branch deposits. By the capital ratios in its Q2 2026 call report, Peoples Bank the meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 801 E Front St, Iva, SC 29655
- County
- Anderson
- Metro Area
- Greenville-Anderson-Greer, SC
- 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 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 2, 1951
- Former names
- The Peoples Bank (2006); The Peoples Bank of Iva (1977-1999)
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 81
- Domestic deposits
- $393.5M
- Allowance for credit losses
- $3.3M
- Net charge-offs (YTD)
- -$4K
- Average total assets
- $450.6M
- Average total loans
- $270.2M
- Average interest-bearing deposits
- $306.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 2, 1951
- FDIC Cert
- 16968
- Fed RSSD
- 285928
- Website
- www.peoplesbanksc.com →
- Parent Holding Company
- PEOPLES FINANCIAL GROUP, INC. (RSSD 2916020)
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 the's total assets ran between $399.9M (Q3 2023) and $446.7M (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
$446.7M total assets against $435.1M; $396.8M total liabilities against $393.4M.
$274.2M net loans and leases against $249.6M; $393.5M total deposits against $390.4M.
$123.8M securities against $131.0M; $26.8M cash and balances due against $33.3M.
$5.4M total interest income against $5.2M; $870K total interest expense against $903K.
$4.5M net interest income against $4.3M.
$858K total noninterest income against $807K; $3.3M total noninterest expense against $3.2M.
$75K provision for credit losses against $75K.
$1.9M net income against $1.7M.
1.68% return on assets against 1.54%; 4.36% net interest margin against 4.20%.
18.19% CET1 capital ratio against 18.02%; 12.92% tier 1 leverage ratio against 12.23%.
Inside the full Peoples Bank the terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freePeoples Bank the rankings
Its closest position to the top of a national ranking is 465 of 2,134, for CET1 ratio; its furthest is 3,422 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.54% (Q2 2025) to 1.68% (Q2 2026) and its net interest margin ran from 4.11% (Q1 2025) to 4.36% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.19% | 1.68% | 0.00% | 0.00% | 4.36% |
| Q1 2026 | 17.87% | 1.58% | 0.00% | 0.00% | 4.31% |
| Q4 2025 | 17.46% | 1.60% | 0.00% | 0.00% | 4.33% |
| Q3 2025 | 17.97% | 1.63% | 0.00% | 0.00% | 4.28% |
| Q2 2025 | 18.02% | 1.54% | 0.00% | 0.00% | 4.20% |
| Q1 2025 | 17.46% | 1.55% | 0.06% | 0.33% | 4.11% |
| Q4 2024 | 17.50% | 1.67% | 0.04% | 0.23% | 4.12% |
| Q3 2024 | 18.39% | 1.65% | 0.04% | 0.21% | 4.20% |
Swipe the table sideways to see every column.
Branch Network
View all 8 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 |
|---|---|---|---|
| The Peoples Bank | Iva , SC | 29655 | $77.7M |
| Greenville Street Branch | Anderson , SC | 29621 | $66.6M |
| Highway 24 Branch | Anderson , SC | 29626 | $62.1M |
| Clemson Boulevard Branch | Anderson , SC | 29621 | $51.1M |
| Downtown Branch | Anderson , SC | 29621 | $48.4M |
| Homeland Park Branch | Anderson , SC | 29624 | $47.2M |
| Pendleton Branch | Pendleton , SC | 29670 | $32.5M |
| Powdersville Branch | Powdersville , SC | 29611 | $8.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in SC, rank 42 of 73 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 112 applications, 101 loans originated, $27.3M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $20K approved, $20K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1995 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 the
What are Peoples Bank the's total assets?
As of the Q2 2026 filing, Peoples Bank the reported total assets of $446.7 million in its FFIEC call report.
Where is Peoples Bank the headquartered?
It is headquartered in Iva, SC, United States.
When was Peoples Bank the founded?
It was established in 1951, per the FDIC institution directory.
Is Peoples Bank the FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16968). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Peoples Bank the?
Peoples Bank the's primary federal regulator is the FDIC.
What is Peoples Bank the's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 18.19% 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 the operate?
It operates 8 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 the's Texas Ratio?
Its Texas Ratio is 0.00% 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 the previously called?
The charter now named Peoples Bank the has also operated as The Peoples Bank (2006), The Peoples Bank of Iva (1977-1999), per FDIC structure-change records.
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