Bank Safety Analysis
Is The Peoples Bank Safe?
The Peoples Bank passes all 5 regulatory safety dimensions, with capital, asset quality, and stress buffers above supervisory concern bands. Analysis based on the Q2 2026 call report.
Return on assets dropped 1.14 percentage points in Q2 2026, from 3.58% to 2.44%. It was the largest change from Q1 2026 among the key lines here. The Peoples Bank ranks 35th of 85 Kansas banks on CET1 ratio, in the upper half at 15.52% (Q2 2026). The Peoples Bank reported 15.52% on CET1 ratio for Q2 2026, 0.45 points above the 15.07% median for banks in the $100M-1B asset tier. From Q3 2023 to Q2 2026, The Peoples Bank's CET1 ratio ranged between 14.45% (Q4 2025) and 15.95% (Q2 2024) and its Texas ratio ranged between 15.09% (Q1 2026) and 30.72% (Q3 2023). Compared with Q2 2025, The Peoples Bank's CET1 ratio from 14.88% to 15.52%, noncurrent loans to total loans from 0.27% to 0.33%, Texas ratio from 16.58% to 15.48%, return on assets from 1.33% to 2.44% in Q2 2026.
Data as of · sourced from FFIEC call reports. How we update
A relative risk score, not a calibrated probability: it ranks this bank against every other filer. Model AUC 0.988 (v20261005_114304). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk, and its accuracy above roughly $10B in assets is not established, so a low score is not evidence of safety. See the methodology. This is not investment advice or a credit rating.
Scorecard by dimension
Peer cohort: banks with $100M to $1B in assets (2,603 banks) · Industry averages as of Q2 2026.
CET1 of 15.52% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 9.29% is above the 5% well-capitalized threshold.
Nonperforming loans at 0.33% are within industry-normal range.
Texas Ratio of 15.5% is well below the 100% historical failure threshold.
Efficiency ratio of 49.4% reflects competitive operating costs (lower is better).
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 15.52% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 15.48% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 0.33% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 54.84% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 23.89% | Watch at 200%, concern at 300% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 15.52% |
| Q1 2026 | 15.22% |
| Q4 2025 | 14.45% |
| Q3 2025 | 15.06% |
| Q2 2025 | 14.88% |
| Q1 2025 | 14.95% |
| Q4 2024 | 14.61% |
| Q3 2024 | 15.20% |
| Q2 2024 | 15.95% |
| Q1 2024 | 15.85% |
| Q4 2023 | 15.50% |
| Q3 2023 | 15.23% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 15.48% |
| Q1 2026 | 15.09% |
| Q4 2025 | 21.38% |
| Q3 2025 | 20.29% |
| Q2 2025 | 16.58% |
| Q1 2025 | 17.03% |
| Q4 2024 | 19.68% |
| Q3 2024 | 18.67% |
| Q2 2024 | 21.46% |
| Q1 2024 | 27.70% |
| Q4 2023 | 29.77% |
| Q3 2023 | 30.72% |
The Peoples Bank by quarter
| Quarter end | CET1 | Noncurrent loans | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 15.52% | 0.33% | 15.48% | 2.44% |
| Mar 31, 2026 | 15.22% | 0.26% | 15.09% | 3.58% |
| Dec 31, 2025 | 14.45% | 0.79% | 21.38% | 2.01% |
| Sep 30, 2025 | 15.06% | 0.65% | 20.29% | 1.50% |
| Jun 30, 2025 | 14.88% | 0.27% | 16.58% | 1.33% |
| Mar 31, 2025 | 14.95% | 0.26% | 17.03% | 1.57% |
| Dec 31, 2024 | 14.61% | 1.91% | 19.68% | 1.76% |
| Sep 30, 2024 | 15.20% | 2.06% | 18.67% | 1.85% |
| Jun 30, 2024 | 15.95% | 2.30% | 21.46% | 1.92% |
| Mar 31, 2024 | 15.85% | 2.88% | 27.70% | 1.93% |
| Dec 31, 2023 | 15.50% | 2.87% | 29.77% | 1.86% |
| Sep 30, 2023 | 15.23% | 3.03% | 30.72% | 0.83% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is The Peoples Bank FDIC insured?
Yes. The Peoples Bank is an FDIC-insured commercial bank (FDIC Certificate #1147). Customer deposits are protected up to the standard FDIC insurance limit of $250,000 per depositor, per ownership category.
Is The Peoples Bank well capitalized?
Yes. The Peoples Bank reports a CET1 Ratio of 15.52%, comfortably above the regulatory well-capitalized threshold that its primary federal regulator, the Federal Reserve, applies under Prompt Corrective Action.
What is The Peoples Bank's nonperforming loan ratio?
As of the most recent call report, The Peoples Bank's nonperforming loan ratio is 0.33%. Nonperforming loans at 0.33% are within industry-normal range.
What is The Peoples Bank's Texas Ratio?
The Peoples Bank's Texas Ratio is 15.48%. It compares nonperforming assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
How safe is my money at any FDIC-insured bank?
FDIC insurance covers up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC typically pays insured depositors within one business day.
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Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 1147) · FFIEC NIC profile (RSSD 530655)
Explore: Full The Peoples Bank profile · Other banks in KS · Metric glossary · How the call report works