Peoples Exchange Bank
BankRegReports is independent of Peoples Exchange Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Peoples Exchange Bank is an FDIC-insured commercial bank headquartered in Monroeville, AL, established in 1907 (FDIC certificate 70), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $98.6M, up 3.4% from Q2 2025, the 82nd largest of 93 banks headquartered in Alabama. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.46% 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
- 70
- Headquarters
- Monroeville, AL
- Established
- 1907
- Total assets, Q2 2026
- $98.6M
- Assets vs Q2 2025
- +3.4%
- Tier 1 leverage ratio, Q2 2026
- 13.46%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 062102593
- Holding company
- PEOPLES EXCHANGE BANCSHARES, INC.
- Asset rank in state
- 82nd of 93 in Alabama
Peoples Exchange Bank leans heavily on commercial real estate. Based in Monroeville, Alabama, it had $99 million in assets at June 30, 2026, up 3.4% from a year earlier. It holds commercial real estate loans worth 1.2 times its capital, 4.6 times the median of 26% for the 583 banks with less than $100 million in assets. It also carries problem assets equal to 13.2% of the capital and reserves that would absorb them, 9.6 times the median of 1.4% for banks its size.
Earnings jumped: net income for the quarter was $283,000, 86% above the same quarter a year earlier. Over the same year, loans shrank 4.6% and deposits grew 2.5%.
As of June 30, 2026, Peoples Exchange Bank reported a return on assets of 1.15%, a nonperforming-loan ratio of 2.44% and a Texas ratio of 13.24%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Peoples Exchange Bank is the 82nd largest of the 93 banks headquartered in Alabama. Between Q1 2026 and Q2 2026, its total assets rose 0.9% to $98.6M, loans were flat and deposits rose 1.0%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 30.5% of total loans, ahead of 1-4 family residential loans at 28.4%. Its one office in the FDIC Summary of Deposits is in Monroeville, AL. On its Q2 2026 call report, Peoples Exchange Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 2013 S Highway 21 Byp, Monroeville, AL 36460
- County
- Monroe
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- August 23, 1907
- Former names
- Peoples Exchange Bank of Monroe County (1976-2018)
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 21
- Domestic deposits
- $86.6M
- Allowance for credit losses
- $746K
- Net charge-offs (YTD)
- $61K
- Average total assets
- $98.1M
- Average total loans
- $55.1M
- Average interest-bearing deposits
- $48.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 70
- Fed RSSD
- 42037
- Website
- www.peb.bank →
- Parent Holding Company
- PEOPLES EXCHANGE BANCSHARES, INC. (RSSD 1138870)
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, Peoples Exchange Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Peoples Exchange Bank's total assets ranged from $93.9M (Q4 2024) to $98.9M (Q3 2024), 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
$98.6M total assets against $95.3M; $87.2M total liabilities against $85.2M.
$52.4M net loans and leases against $54.9M; $86.6M total deposits against $84.5M.
$20.4M securities against $23.6M; $20.3M cash and balances due against $11.3M.
$1.3M total interest income against $1.3M; $369K total interest expense against $388K.
$950K net interest income against $900K.
$72K total noninterest income against $84K; $695K total noninterest expense against $757K.
$0 provision for credit losses against $31K.
$283K net income against $152K.
1.15% return on assets against 0.62%; 4.08% net interest margin against 3.86%.
13.46% tier 1 leverage ratio against 12.79%.
Inside the full Peoples Exchange Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freePeoples Exchange Bank rankings
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.19% (Q3 2024) to 1.15% (Q2 2026) and its net interest margin ran from 3.51% (Q3 2024) to 4.79% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.46% | 1.15% | 2.44% | 13.24% | 4.08% |
| Q1 2026 | 12.86% | 0.79% | 1.55% | 10.86% | 3.71% |
| Q4 2025 | 13.25% | 1.14% | 1.54% | 10.68% | 4.79% |
| Q3 2025 | 13.19% | 0.73% | 2.35% | 14.87% | 4.11% |
| Q2 2025 | 12.79% | 0.62% | 2.87% | 16.18% | 3.86% |
| Q1 2025 | 12.88% | 0.46% | 2.79% | 15.84% | 3.84% |
| Q4 2024 | 12.27% | 0.84% | 2.97% | 17.40% | 4.00% |
| Q3 2024 | 12.05% | 0.19% | 2.94% | 17.35% | 3.51% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| Peoples Exchange Bank (main office) | Monroeville , AL | 36460 | $86.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in AL, rank 114 of 131 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
Add this badge to your website
Free to use. It shows Peoples Exchange Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Peoples Exchange Bank
What are Peoples Exchange Bank's total assets?
As of the Q2 2026 filing, Peoples Exchange Bank reported total assets of $98.6 million in its FFIEC call report.
Where is Peoples Exchange Bank headquartered?
It is headquartered in Monroeville, AL, United States.
When was Peoples Exchange Bank founded?
It was established in 1907, per the FDIC institution directory.
Is Peoples Exchange Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #70). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Peoples Exchange Bank?
Peoples Exchange Bank's primary federal regulator is the FDIC.
How many branches does Peoples Exchange Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Peoples Exchange Bank's Texas Ratio?
Its Texas Ratio is 13.24% 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 Peoples Exchange Bank previously called?
The charter now named Peoples Exchange Bank has also operated as Peoples Exchange Bank of Monroe County (1976-2018), per FDIC structure-change records.
Go deeper on Peoples Exchange Bank.
Get an email when Peoples Exchange Bank files its next call report, and benchmark it against any peer you choose.
Unlock Peoples Exchange Bank, freeFree account