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Peoples Bank
Paris, TX · FDIC Certificate #27398 · Chartered 12/1
Total assets
$185.38M
Total deposits
$168.37M
Total equity
$15.32M
Net loans
$146.74M
Branches (offices)
2
Net income (YTD)
$1.67M
Rank: #3,080 of 4,213 U.S. banks by assets · #258 of 346 in Texas. Assets changed 7.7% and deposits 13.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.83% |
| Return on equity | 22.14% |
| Net interest margin (YTD) | 4.04% |
| Equity to assets | 8.26% |
| Tier 1 leverage ratio | 9.56% |
| Uninsured deposits (share of deposits) | 13.6% |
| Noncurrent loans (share of loans) | 0.25% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 87.2% |
| Real estate loans (share of loans) | 94.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $138.79M | 94.6% | |
| Commercial & industrial | $7.67M | 5.2% | |
| Consumer / individual | $1.23M | 0.8% | |
| Construction & development | $2.25M | 1.5% | |
| Agricultural | $194.00K | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $175.10M | $141.90M | $1.06M | $12.68M |
| Jun 2023 | $172.73M | $141.65M | $1.04M | $12.02M |
| Jun 2024 | $168.31M | $143.13M | $1.01M | $12.78M |
| Jun 2025 | $172.08M | $148.96M | $1.39M | $13.99M |
| Jun 2026 | $185.38M | $168.37M | $1.67M | $15.32M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $168.37M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $168.37M.
Similar-sized banks
Tensas State Bank ($185.48M) · Pine River State Bank ($185.32M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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