The Peoples Bank (Magnolia, AR)
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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 Magnolia, AR, established in 1910 (FDIC certificate 12531), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $195.9M, down 2.0% from Q2 2025, the 64th largest of 78 banks headquartered in Arkansas. Its CET1 capital ratio was 19.74% 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
- 12531
- Headquarters
- Magnolia, AR
- Established
- 1910
- Total assets, Q2 2026
- $195.9M
- Assets vs Q2 2025
- -2.0%
- CET1 ratio, Q2 2026
- 19.74%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 082902663
- Latest call report
- Q2 2026, FFIEC 051 · The Peoples Bank call report
- Holding company
- GOLDEN OAKS BANCSHARES, INC.
- Asset rank in state
- 64th of 78 in Arkansas
The Peoples Bank earns an unusually wide margin on its lending. Its balance sheet stood at $196 million at June 30, 2026, down 2.0% from a year earlier; it is based in Magnolia, Arkansas. It keeps 5.53 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also shrank its loan book 4.0% over the year, lower than about 9 in 10 banks its size (median 5.5%).
Net income for the quarter slipped 20% from a year earlier, to $841,000. Credit is the area to watch: it carries problem assets equal to 11.7% of the capital and reserves that would absorb them, 4.4 times the median of 2.6% for banks its size.
As of June 30, 2026, The Peoples Bank reported a CET1 capital ratio of 19.74%, a return on assets of 1.71%, a nonperforming-loan ratio of 2.23% and a Texas ratio of 11.67%. The figures come from its call report filed with the FFIEC.
Of the 78 banks headquartered in Arkansas, The Peoples Bank is the 64th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.6% to $195.9M, loans fell 0.6% and deposits fell 0.5%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 52.8% of total loans, followed by other consumer loans at 10.4%. Its 4 offices in the FDIC Summary of Deposits are in Magnolia, AR and Waldo, AR; its Magnolia 3 offices book 88% of its branch deposits. On its Q2 2026 call report, The Peoples Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 500 N Jackson, Magnolia, AR 71753
- County
- Columbia
- Metro Area
- Magnolia, AR
- 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
- Trust powers not granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1910
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 79
- Domestic deposits
- $136.8M
- Allowance for credit losses
- $2.6M
- Net charge-offs (YTD)
- $210K
- Average total assets
- $197.1M
- Average total loans
- $152.6M
- Average interest-bearing deposits
- $111.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12531
- Fed RSSD
- 712648
- Website
- www.pbmag.com →
- Parent Holding Company
- GOLDEN OAKS BANCSHARES, INC. (RSSD 1098684)
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, The Peoples Bank's total assets ran between $194.4M (Q4 2025) and $234.2M (Q3 2023), 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
$195.9M total assets against $199.9M; $168.2M total liabilities against $172.6M.
$149.3M net loans and leases against $155.2M; $136.8M total deposits against $139.5M.
$11.5M securities against $13.4M; $20.7M cash and balances due against $16.7M.
$3.2M total interest income against $3.3M; $682K total interest expense against $784K.
$2.5M net interest income against $2.6M.
$562K total noninterest income against $521K; $2.2M total noninterest expense against $2.1M.
-$33K provision for credit losses against -$146K.
$841K net income against $1.1M.
1.71% return on assets against 2.07%; 5.53% net interest margin against 5.41%.
19.74% CET1 capital ratio against 19.10%; 13.59% tier 1 leverage ratio against 12.93%.
Inside the full The Peoples Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
The Peoples Bank rankings
Its closest position to the top of a national ranking is 497 of 3,640, for Texas Ratio; its furthest is 2,823 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.69% (Q3 2024) to 2.21% (Q4 2025) and its net interest margin ran from 5.03% (Q3 2024) to 5.61% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 19.74% | 1.71% | 2.23% | 11.67% | 5.53% |
| Q1 2026 | 19.76% | 1.68% | 2.27% | 11.78% | 5.46% |
| Q4 2025 | 19.41% | 2.21% | 2.26% | 12.02% | 5.55% |
| Q3 2025 | 19.73% | 1.89% | 1.93% | 10.21% | 5.61% |
| Q2 2025 | 19.10% | 2.07% | 2.14% | 11.79% | 5.41% |
| Q1 2025 | 19.74% | 1.86% | 2.36% | 12.28% | 5.12% |
| Q4 2024 | 18.98% | 1.09% | 2.43% | 13.33% | 5.09% |
| Q3 2024 | 18.09% | 0.69% | 2.33% | 13.17% | 5.03% |
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 |
|---|---|---|---|
| The Peoples Bank | Magnolia , AR | 71753 | $69.0M |
| Lakewood Banking Center | Magnolia , AR | 71753 | $31.2M |
| West Branch | Magnolia , AR | 71753 | $20.3M |
| Golden Oaks Branch | Waldo , AR | 71770 | $16.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in AR, rank 83 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $150K approved, $150K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2007 (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 $195.9 million in its FFIEC call report.
Where is The Peoples Bank headquartered?
It is headquartered in Magnolia, AR, United States.
When was The Peoples Bank founded?
It was established in 1910, per the FDIC institution directory.
Is The Peoples Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12531). 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.
What is The Peoples Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 19.74% 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 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 11.67% 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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