Peoplestrust Bank
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Data as of · sourced from FFIEC call reports. How we update
Peoplestrust Bank is an FDIC-insured commercial bank headquartered in Hamilton, AL, established in 2004 (FDIC certificate 57569), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $201.2M, up 3.4% from Q2 2025, the 64th largest of 93 banks headquartered in Alabama. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.11% 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
- 57569
- Headquarters
- Hamilton, AL
- Established
- 2004
- Total assets, Q2 2026
- $201.2M
- Assets vs Q2 2025
- +3.4%
- Tier 1 leverage ratio, Q2 2026
- 11.11%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 062206473
- Latest call report
- Q2 2026, FFIEC 051 · Peoplestrust Bank call report
- Holding company
- HOMETOWN BANCSHARES, INC.
- Asset rank in state
- 64th of 93 in Alabama
Peoplestrust Bank pays more for its money than most banks of its size. The Hamilton, Alabama bank had $201 million in assets at June 30, 2026, up 3.4% from a year earlier. It pays an average of 2.64% on its deposits and borrowings, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also shrank its loan book 0.8% over the year, lower than about three-quarters of banks its size (median 5.5%).
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.45% of loans from 1.35%. Earnings jumped: net income for the quarter was $477,000, 54% above the same quarter a year earlier.
As of June 30, 2026, Peoplestrust Bank reported a return on assets of 0.96%, a nonperforming-loan ratio of 0.45% and a Texas ratio of 3.55%. The figures come from its call report filed with the FFIEC.
Of the 93 banks headquartered in Alabama, Peoplestrust Bank is the 64th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.7% to $201.2M, loans fell 1.8% and deposits rose 1.7%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 29.8% of total loans, followed by commercial and industrial loans at 27.8%. The FDIC Summary of Deposits lists 3 offices for it, in Hamilton, AL, Hackleburg, AL and Florence, AL; its Hamilton office books 75% of its branch deposits. On its Q2 2026 call report, Peoplestrust Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1281 Military St S, Hamilton, AL 35570
- County
- Marion
- 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
- July 23, 2004
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 34
- Domestic deposits
- $177.6M
- Allowance for credit losses
- $2.0M
- Net charge-offs (YTD)
- $19K
- Average total assets
- $199.1M
- Average total loans
- $134.4M
- Average interest-bearing deposits
- $141.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 23, 2004
- FDIC Cert
- 57569
- Fed RSSD
- 3282012
- Website
- www.peoplestrustbk.com →
- Parent Holding Company
- HOMETOWN BANCSHARES, INC. (RSSD 3231373)
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, Peoplestrust 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, Peoplestrust Bank's total assets ranged from $168.1M (Q3 2023) to $201.2M (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
$201.2M total assets against $194.5M; $180.0M total liabilities against $175.5M.
$131.6M net loans and leases against $132.5M; $177.6M total deposits against $172.9M.
$25.2M securities against $22.9M; $35.8M cash and balances due against $30.7M.
$2.9M total interest income against $2.8M; $1.2M total interest expense against $1.2M.
$1.7M net interest income against $1.6M.
$142K total noninterest income against $232K; $1.2M total noninterest expense against $1.1M.
$21K provision for credit losses against $230K.
$477K net income against $310K.
0.96% return on assets against 0.64%; 3.70% net interest margin against 3.55%.
11.11% tier 1 leverage ratio against 10.41%.
Inside the full Peoplestrust Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freePeoplestrust Bank rankings
Its closest position to the top of a national ranking is 1,697 of 3,640, for Texas Ratio; its furthest is 2,602 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.64% (Q2 2025) to 1.53% (Q3 2025) and its net interest margin ran from 3.49% (Q4 2024) to 3.89% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.11% | 0.96% | 0.45% | 3.55% | 3.70% |
| Q1 2026 | 10.92% | 1.20% | 0.48% | 5.05% | 3.72% |
| Q4 2025 | 10.79% | 0.64% | 0.49% | 5.08% | 3.67% |
| Q3 2025 | 10.68% | 1.53% | 1.12% | 7.02% | 3.89% |
| Q2 2025 | 10.41% | 0.64% | 1.35% | 8.76% | 3.55% |
| Q1 2025 | 10.31% | 1.19% | 1.00% | 6.71% | 3.56% |
| Q4 2024 | 10.50% | 0.95% | 1.04% | 6.99% | 3.49% |
| Q3 2024 | 10.31% | 0.98% | 0.34% | 2.28% | 3.62% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 |
|---|---|---|---|
| Peoplestrust Bank (main office) | Hamilton , AL | 35570 | $132.6M |
| Hackleburg Branch | Hackleburg , AL | 35564 | $25.9M |
| Florence Branch | Florence , AL | 35630 | $19.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in AL, rank 87 of 131 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 85 applications, 80 loans originated, $13.1M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $75K approved, $75K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2006 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Peoplestrust Bank
What are Peoplestrust Bank's total assets?
As of the Q2 2026 filing, Peoplestrust Bank reported total assets of $201.2 million in its FFIEC call report.
Where is Peoplestrust Bank headquartered?
It is headquartered in Hamilton, AL, United States.
When was Peoplestrust Bank founded?
It was established in 2004, per the FDIC institution directory.
Is Peoplestrust Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57569). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Peoplestrust Bank?
Peoplestrust Bank's primary federal regulator is the FDIC.
How many branches does Peoplestrust Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Peoplestrust Bank's Texas Ratio?
Its Texas Ratio is 3.55% 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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