The Peoples Bank (Sardis, TN)
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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 Sardis, TN, established in 1920 (FDIC certificate 6110), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $113.1M, up 3.5% from Q2 2025, the 102nd largest of 109 banks headquartered in Tennessee. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.62% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 6110
- Headquarters
- Sardis, TN
- Established
- 1920
- Total assets, Q2 2026
- $113.1M
- Assets vs Q2 2025
- +3.5%
- Tier 1 leverage ratio, Q2 2026
- 10.62%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 084306791
- Holding company
- 1ST JACKSON BANCSHARES, INC.
- Asset rank in state
- 102nd of 109 in Tennessee
Problem loans are rising at The Peoples Bank. The Sardis, Tennessee bank had $113 million in assets at June 30, 2026, up 3.5% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.21% of loans from 0.19% a year earlier. It carries problem assets equal to 12.6% of the capital and reserves that would absorb them, 4.8 times the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 73 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
Earnings jumped: net income for the quarter was $241,000, 81% above the same quarter a year earlier. Profitability lags: it earns about $0.84 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.28).
As of June 30, 2026, The Peoples Bank reported a return on assets of 0.84%, a nonperforming-loan ratio of 1.21% and a Texas ratio of 12.58%. The figures come from its call report filed with the FFIEC.
Of the 109 banks headquartered in Tennessee, The Peoples Bank is the 102nd largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.5% to $113.1M, loans rose 6.2% and deposits rose 0.2%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 49.2% of total loans, ahead of owner-occupied commercial real estate loans at 13.5%. Its 5 offices in the FDIC Summary of Deposits are in 5 cities in TN; its Sardis office books 47% of its branch deposits. On its Q2 2026 call report, The Peoples Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 34910 Highway 104 S, Sardis, TN 38371
- County
- Hardin
- 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 8, St. Louis
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- December 20, 1920
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 29
- Domestic deposits
- $100.7M
- Allowance for credit losses
- $566K
- Net charge-offs (YTD)
- $78K
- Average total assets
- $114.2M
- Average total loans
- $72.4M
- Average interest-bearing deposits
- $77.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 6110
- Fed RSSD
- 591357
- Website
- www.thepeoplesbankoftn.com →
- Parent Holding Company
- 1ST JACKSON BANCSHARES, INC. (RSSD 2306993)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, The Peoples Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The Peoples Bank's total assets ran between $107.4M (Q3 2023) and $113.1M (Q2 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$113.1M total assets against $109.3M; $102.0M total liabilities against $99.0M.
$75.4M net loans and leases against $74.3M; $100.7M total deposits against $97.5M.
$25.4M securities against $19.6M; $8.5M cash and balances due against $11.5M.
$1.7M total interest income against $1.6M; $478K total interest expense against $499K.
$1.2M net interest income against $1.1M.
$113K total noninterest income against $95K; $961K total noninterest expense against $958K.
$27K provision for credit losses against $39K.
$241K net income against $133K.
0.84% return on assets against 0.49%; 4.41% net interest margin against 4.01%.
10.62% tier 1 leverage ratio against 10.58%.
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 437 of 3,640, for Texas Ratio; its furthest is 3,571 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.20% (Q4 2024) to 0.84% (Q2 2026) and its net interest margin ran from 3.66% (Q3 2024) to 4.41% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.62% | 0.84% | 1.21% | 12.58% | 4.41% |
| Q1 2026 | 10.50% | 0.53% | 0.65% | 10.17% | 3.96% |
| Q4 2025 | 10.55% | 0.53% | 0.27% | 7.71% | 3.91% |
| Q3 2025 | 10.58% | 0.48% | 0.41% | 8.73% | 3.98% |
| Q2 2025 | 10.58% | 0.49% | 0.19% | 7.66% | 4.01% |
| Q1 2025 | 10.35% | 0.58% | 0.24% | 8.29% | 3.84% |
| Q4 2024 | 10.13% | 0.20% | 0.20% | 8.31% | 3.72% |
| Q3 2024 | 10.05% | 0.68% | 1.37% | 10.09% | 3.66% |
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 | Sardis , TN | 38371 | $46.9M |
| Henderson Branch | Henderson , TN | 38340 | $17.7M |
| Maury City Branch | Maury City , TN | 38050 | $13.6M |
| Reagan Branch | Reagan , TN | 38368 | $13.3M |
| Lexington Branch | Lexington , TN | 38351 | $9.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TN, rank 138 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 64 applications, 53 loans originated, $7.3M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, 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 The Peoples Bank
What are The Peoples Bank's total assets?
As of the Q2 2026 filing, The Peoples Bank reported total assets of $113.1 million in its FFIEC call report.
Where is The Peoples Bank headquartered?
It is headquartered in Sardis, TN, United States.
When was The Peoples Bank founded?
It was established in 1920, per the FDIC institution directory.
Is The Peoples Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #6110). 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 FDIC.
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 12.58% 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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