The Peoples Bank (Pratt, KS)
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Data as of · sourced from FFIEC call reports. How we update
The Peoples Bank is an FDIC-insured commercial bank headquartered in Pratt, KS, established in 1887 (FDIC certificate 1147), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $531.1M, up 1.7% from Q2 2025, the 39th largest of 182 banks headquartered in Kansas. Its CET1 capital ratio was 15.52% 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
- 1147
- Headquarters
- Pratt, KS
- Established
- 1887
- Total assets, Q2 2026
- $531.1M
- Assets vs Q2 2025
- +1.7%
- CET1 ratio, Q2 2026
- 15.52%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 101101659
- Latest call report
- Q2 2026, FFIEC 051 · The Peoples Bank call report
- Holding company
- PEOPLES BANKSHARES LTD., THE
- Asset rank in state
- 39th of 182 in Kansas
The Peoples Bank is one of the more profitable banks of its size. Its balance sheet stood at $531 million at June 30, 2026, up 1.7% from a year earlier; it is based in Pratt, Kansas. It earns about $2.44 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it carries problem assets equal to 15.5% of the capital and reserves that would absorb them, 5.9 times the median of 2.6% for banks its size. Much of that comes from cost control: it spends about 49 cents to bring in each dollar of revenue.
Earnings jumped: net income for the quarter was $3.3 million, 83% above the same quarter a year earlier. Over the same year, loans grew 4.5% and deposits grew 0.6%. Where it has less room is capital: it funds 9.29% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, The Peoples Bank reported a CET1 capital ratio of 15.52%, a return on assets of 2.44%, a nonperforming-loan ratio of 0.37% and a Texas ratio of 15.48%. The figures come from its call report filed with the FFIEC.
Of the 182 banks headquartered in Kansas, The Peoples Bank is the 39th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 3.1% to $531.1M, loans rose 0.7% and deposits fell 3.6%. The largest part of its loan book on June 30, 2026 was agricultural production loans, at 35.4% of total loans, ahead of farmland and other real estate loans at 32.3%. Its 5 offices in the FDIC Summary of Deposits are in 5 cities in KS; its Pratt office books 60% of its branch deposits. On its Q2 2026 call report, The Peoples Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 222 S Main St, Pratt, KS 67124
- County
- Pratt
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Trust powers grandfathered
- Call Report form
- FFIEC 051
- Established
- May 20, 1887
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 76
- Domestic deposits
- $486.6M
- Allowance for credit losses
- $4.4M
- Net charge-offs (YTD)
- $4K
- Average total assets
- $540.7M
- Average total loans
- $260.0M
- Average interest-bearing deposits
- $330.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1147
- Fed RSSD
- 530655
- Website
- www.tpb.bank →
- Parent Holding Company
- PEOPLES BANKSHARES LTD., THE (RSSD 1056657)
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
The Peoples Bank's total assets moved between a low of $476.8M (Q3 2023) and a high of $556.0M (Q4 2025) 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
$531.1M total assets against $522.0M; $490.2M total liabilities against $487.4M.
$262.5M net loans and leases against $252.1M; $486.6M total deposits against $483.6M.
$210.4M securities against $225.1M; $31.9M cash and balances due against $18.3M.
$7.0M total interest income against $6.7M; $1.9M total interest expense against $2.3M.
$5.1M net interest income against $4.3M.
$1.6M total noninterest income against $1.5M; $3.4M total noninterest expense against $3.8M.
$0 provision for credit losses against $180K.
$3.3M net income against $1.8M.
2.44% return on assets against 1.33%; 4.04% net interest margin against 3.54%.
15.52% CET1 capital ratio against 14.88%; 9.29% tier 1 leverage ratio against 8.64%.
Inside the full The Peoples Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Peoples Bank rankings
Its closest position to the top of a national ranking is 183 of 3,611, for ROA; its furthest is 1,707 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.33% (Q2 2025) to 3.58% (Q1 2026) and its net interest margin ran from 3.38% (Q4 2024) to 4.04% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.52% | 2.44% | 0.37% | 15.48% | 4.04% |
| Q1 2026 | 15.22% | 3.58% | 0.26% | 15.09% | 3.67% |
| Q4 2025 | 14.45% | 2.01% | 0.79% | 21.38% | 3.54% |
| Q3 2025 | 15.06% | 1.50% | 0.65% | 20.29% | 3.40% |
| Q2 2025 | 14.88% | 1.33% | 0.28% | 16.58% | 3.54% |
| Q1 2025 | 14.95% | 1.57% | 0.31% | 17.03% | 3.47% |
| Q4 2024 | 14.61% | 1.76% | 1.91% | 19.68% | 3.38% |
| Q3 2024 | 15.20% | 1.85% | 2.06% | 18.67% | 3.60% |
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 |
|---|---|---|---|
| The Peoples Bank | Pratt , KS | 67124 | $293.2M |
| Smith Center Branch | Smith Center , KS | 66967 | $63.8M |
| Medicine Lodge Branch | Medicine Lodge , KS | 67104 | $58.1M |
| Osborne Branch | Osborne , KS | 67473 | $52.4M |
| Greensburg Branch | Greensburg , KS | 67054 | $19.0M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| February 14, 2020 | Structure Change | Acquired The Farmers Bank of Osborne Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 14, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 14, 2020 | M&A | Acquired The Farmers Bank of Osborne merger for the acquired bank | SEC |
| June 13, 2008 | Structure Change | Acquired The Smith County State Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 13, 2008 | M&A | Acquired The Smith County State Bank and Trust Company merger for the acquired bank | SEC |
| June 13, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 29, 2002 | M&A | Acquired The Farmers State Bank merger for the acquired bank | SEC |
| March 29, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 29, 2002 | Structure Change | Acquired The Farmers State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 1991 | M&A | Acquired The Sharon Valley State Bank merger for the acquired bank | SEC |
| May 1, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 1991 | Structure Change | Acquired The Sharon Valley State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 10, 1990 | Structure Change | Acquired Valley Savings, a Federal Savings and Loan Association Hutchinson Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| November 10, 1990 | M&A | Acquired Valley Savings, a Federal Savings and Loan Association Hutchinson failure_government_assistance_provided for the acquired bank | SEC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 14 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.5% of deposits in KS, rank 47 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $160K approved, $160K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (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 The Peoples Bank
What are The Peoples Bank's total assets?
As of the Q2 2026 filing, The Peoples Bank reported total assets of $531.1 million in its FFIEC call report.
Where is The Peoples Bank headquartered?
It is headquartered in Pratt, KS, United States.
When was The Peoples Bank founded?
It was established in 1887, per the FDIC institution directory.
Is The Peoples Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1147). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Peoples Bank?
The Peoples Bank's primary federal regulator is the Federal Reserve.
What is The Peoples Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.52% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The 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 The Peoples Bank's Texas Ratio?
Its Texas Ratio is 15.48% 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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