The Peoples Bank (Brownstown, IN)
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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 Brownstown, IN, established in 1934 (FDIC certificate 5779), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $323.8M, down 0.2% from Q2 2025, the 59th largest of 87 banks headquartered in Indiana. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.32% 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
- 5779
- Headquarters
- Brownstown, IN
- Established
- 1934
- Total assets, Q2 2026
- $323.8M
- Assets vs Q2 2025
- -0.2%
- Tier 1 leverage ratio, Q2 2026
- 9.32%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 083905326
- Holding company
- TPB BANCORP
- Asset rank in state
- 59th of 87 in Indiana
The Peoples Bank, based in Brownstown, Indiana, reported $324 million in assets at June 30, 2026. It pays an average of 0.76% 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 grew its loan book 20.1% over the year, 3.7 times the median of 5.5% for banks its size.
Loans and deposits moved in opposite directions: over the year loans rose 20.1% and deposits fell 2.1%. Paper losses on its bond portfolio are shrinking: unrealized losses of $11 million equal 35% of Tier 1 capital, down from 52% a year earlier. Where it has less room is capital: it funds 9.32% 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 return on assets of 1.32%, a nonperforming-loan ratio of 0.81% and a Texas ratio of 4.89%. The figures come from its call report filed with the FFIEC.
Of the 87 banks headquartered in Indiana, The Peoples Bank is the 59th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.6% to $323.8M, loans rose 4.8% and deposits fell 0.8%. 1-4 family residential loans made up 58.1% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 8.7%. Its 4 offices in the FDIC Summary of Deposits are in Seymour, IN, Brownstown, IN and Crothersville, IN; its Seymour 2 offices book 52% 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
- 100 N Main St, Brownstown, IN 47220
- County
- Jackson
- Metro Area
- Seymour, IN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1934
- Former names
- The Peoples Bank (1965)
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 48
- Domestic deposits
- $298.6M
- Allowance for credit losses
- $1.3M
- Net charge-offs (YTD)
- $1K
- Average total assets
- $350.1M
- Average total loans
- $149.1M
- Average interest-bearing deposits
- $262.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5779
- Fed RSSD
- 7045
- Website
- http://www.banktpb.com →
- Parent Holding Company
- TPB BANCORP (RSSD 1130409)
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
The Peoples Bank's total assets moved between a low of $272.5M (Q3 2023) and a high of $325.6M (Q1 2026) 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
$323.8M total assets against $324.3M; $299.6M total liabilities against $306.3M.
$152.5M net loans and leases against $126.8M; $298.6M total deposits against $305.1M.
$136.8M securities against $143.1M; $21.8M cash and balances due against $41.0M.
$3.5M total interest income against $3.1M; $573K total interest expense against $557K.
$3.0M net interest income against $2.6M.
$344K total noninterest income against $340K; $1.8M total noninterest expense against $1.7M.
$69K provision for credit losses against $33K.
$1.2M net income against $960K.
1.32% return on assets against 1.16%; 3.76% net interest margin against 3.32%.
9.32% tier 1 leverage ratio against 8.91%.
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 1,087 of 3,606, for efficiency ratio; its furthest is 2,353 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.79% (Q3 2024) to 1.32% (Q2 2026) and its net interest margin ran from 2.90% (Q3 2024) to 3.76% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.32% | 1.32% | 0.81% | 4.89% | 3.76% |
| Q1 2026 | 9.50% | 1.19% | 0.51% | 3.04% | 3.52% |
| Q4 2025 | 8.91% | 1.10% | 0.59% | 3.40% | 3.52% |
| Q3 2025 | 9.10% | 1.12% | 1.14% | 6.38% | 3.35% |
| Q2 2025 | 8.91% | 1.16% | 1.15% | 7.67% | 3.32% |
| Q1 2025 | 9.02% | 0.90% | 0.91% | 6.07% | 3.13% |
| Q4 2024 | 8.75% | 0.99% | 0.63% | 4.85% | 3.20% |
| Q3 2024 | 9.05% | 0.79% | 0.97% | 5.85% | 2.90% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| Seymour Westside Branch | Seymour , IN | 47274 | $140.0M |
| The Peoples Bank | Brownstown , IN | 47220 | $106.6M |
| Crothersville Branch | Crothersville , IN | 47229 | $36.9M |
| East Tipton Street Branch | Seymour , IN | 47274 | $15.1M |
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 |
|---|---|---|---|
| October 1, 1965 | Structure Change | Acquired First National Bank of Brownstown Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in IN, rank 74 of 129 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 The Peoples Bank
What are The Peoples Bank's total assets?
As of the Q2 2026 filing, The Peoples Bank reported total assets of $323.8 million in its FFIEC call report.
Where is The Peoples Bank headquartered?
It is headquartered in Brownstown, IN, United States.
When was The Peoples Bank founded?
It was established in 1934, per the FDIC institution directory.
Is The Peoples Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5779). 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 4 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 4.89% 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 The Peoples Bank previously called?
The charter now named The Peoples Bank has also operated as The Peoples Bank (1965), per FDIC structure-change records.
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