Peoples Bank, the
Capital moved notably last quarter — CET1 ratio of 24.82% was up 141bps from the prior quarter. Operating from Chestertown, MD, Peoples Bank, the serves its local market as an FDIC-insured commercial bank. The Q3 2025 balance sheet stands at $293M in assets, including $179M in loans. Returns are in line with industry norms at 1.11% ROA and 8.43% ROE; net interest margin is 4.12%. Capital is comfortably above regulatory minimums — CET1 ratio of 24.82% sits well above the 7% well-capitalized threshold. Asset quality is pristine — 0.39% NPLs and a 1.74% Texas Ratio. The bank operates from a single office.
Headquarters Profile
- Address
- 100 Spring Ave, CHESTERTOWN, MD 21620
- County
- Kent
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 2
- Established
- October 1, 1910
- Branches
- 1 domestic
- Employees (FTE)
- 79
- FDIC Cert
- 12885
- Fed RSSD
- 750127
- Website
- www.pbkc.com →
Capital & Liquidity
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Peoples Bank, the rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 4 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
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Frequently asked about Peoples Bank, the
What are Peoples Bank, the's total assets?
As of the Q1 2026 filing, Peoples Bank, the reported total assets of $293.2 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Peoples Bank, the headquartered?
Peoples Bank, the is headquartered in CHESTERTOWN, MD, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Peoples Bank, the founded?
Peoples Bank, the was established in 1910, per the FDIC institution directory.
Is Peoples Bank, the FDIC-insured?
Yes. Peoples Bank, the is an FDIC-insured commercial bank (FDIC Certificate #12885). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Peoples Bank, the?
Peoples Bank, the's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Peoples Bank, the's CET1 capital ratio?
Peoples Bank, the reported a Common Equity Tier 1 (CET1) capital ratio of 24.82% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Peoples Bank, the operate?
Peoples Bank, the operates 1 domestic branch, per the most recent FDIC Summary of Deposits filing.
What is Peoples Bank, the's Texas Ratio?
Peoples Bank, the's Texas Ratio is 1.74% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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