Bank Safety Analysis
The Peoples Bank: final safety record
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The largest change between Q2 2025 and Q3 2025 was in CET1 ratio, which rose 1.41 percentage points to 24.82%. From Q4 2022 to Q3 2025, The Peoples Bank's CET1 ratio ranged between 17.89% (Q4 2022) and 24.82% (Q3 2025) and its Texas ratio ranged between 1.11% (Q1 2025) and 2.86% (Q4 2022). Between Q3 2024 and Q3 2025, The Peoples Bank's CET1 ratio rose from 21.67% to 24.82%, nonperforming loan ratio (nonaccrual plus 90+ days past due) fell from 0.38% to 0.29%, Texas ratio fell from 2.01% to 1.30% and return on assets fell from 1.17% to 1.11%.
Data as of · sourced from FFIEC call reports. How we update
Scorecard by dimension
Peer cohort: $100M to $1B (2,757 banks) · Industry averages as of Q2 2026.
CET1 of 24.82% 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 13.92% is above the 5% well-capitalized threshold.
Nonperforming loans at 0.29% are within industry-normal range.
Texas Ratio of 1.3% is well below the 100% historical failure threshold.
Efficiency ratio of 75.7% is elevated, suggesting cost-to-revenue pressure.
Risk screens
Latest filing (Q3 2025), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 24.82% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 1.30% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 0.29% | 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 | 70.94% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 79.69% | Watch at 200%, concern at 300% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.09% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q3 2025 | 24.82% |
| Q2 2025 | 23.40% |
| Q1 2025 | 23.10% |
| Q4 2024 | 22.21% |
| Q3 2024 | 21.67% |
| Q2 2024 | 20.71% |
| Q1 2024 | 19.85% |
| Q4 2023 | 19.59% |
| Q3 2023 | 19.25% |
| Q2 2023 | 19.16% |
| Q1 2023 | 19.59% |
| Q4 2022 | 17.89% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2025 | 1.30% |
| Q2 2025 | 1.41% |
| Q1 2025 | 1.11% |
| Q4 2024 | 1.25% |
| Q3 2024 | 2.01% |
| Q2 2024 | 2.22% |
| Q1 2024 | 2.44% |
| Q4 2023 | 1.68% |
| Q3 2023 | 1.95% |
| Q2 2023 | 2.13% |
| Q1 2023 | 2.24% |
| Q4 2022 | 2.86% |
The Peoples Bank by quarter
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Sep 30, 2025 | 24.82% | 0.29% | 1.30% | 1.11% |
| Jun 30, 2025 | 23.40% | 0.30% | 1.41% | 1.12% |
| Mar 31, 2025 | 23.10% | 0.22% | 1.11% | 1.49% |
| Dec 31, 2024 | 22.21% | 0.24% | 1.25% | 0.79% |
| Sep 30, 2024 | 21.67% | 0.38% | 2.01% | 1.17% |
| Jun 30, 2024 | 20.71% | 0.39% | 2.22% | 0.97% |
| Mar 31, 2024 | 19.85% | 0.41% | 2.44% | 1.43% |
| Dec 31, 2023 | 19.59% | 0.29% | 1.68% | 1.48% |
| Sep 30, 2023 | 19.25% | 0.30% | 1.95% | 1.30% |
| Jun 30, 2023 | 19.16% | 0.33% | 2.13% | 1.31% |
| Mar 31, 2023 | 19.59% | 0.36% | 2.24% | 1.69% |
| Dec 31, 2022 | 17.89% | 0.43% | 2.86% | 1.51% |
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 12885) · FFIEC NIC profile (RSSD 750127)
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