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Peoples Bank
Bellingham, WA · FDIC Certificate #6158 · Chartered 01/0
Total assets
$2.42B
Total deposits
$2.08B
Total equity
$322.46M
Net loans
$1.91B
Branches (offices)
23
Net income (YTD)
$11.81M
Rank: #513 of 4,213 U.S. banks by assets · #7 of 28 in Washington. Assets changed 0.2% and deposits -0.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.96% |
| Return on equity | 7.44% |
| Net interest margin (YTD) | 4.06% |
| Equity to assets | 13.33% |
| Tier 1 leverage ratio | 13.27% |
| Uninsured deposits (share of deposits) | 32.5% |
| Noncurrent loans (share of loans) | 0.11% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 91.6% |
| Real estate loans (share of loans) | 82.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.57B | 82.3% | |
| Commercial & industrial | $108.31M | 5.7% | |
| Consumer / individual | $181.62M | 9.5% | |
| Construction & development | $76.64M | 4.0% | |
| Agricultural | $73.49M | 3.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.76B | $2.50B | $7.23M | $249.33M |
| Jun 2023 | $2.44B | $2.15B | $13.99M | $266.92M |
| Jun 2024 | $2.39B | $2.09B | $7.02M | $284.47M |
| Jun 2025 | $2.41B | $2.10B | $10.44M | $301.69M |
| Jun 2026 | $2.42B | $2.08B | $11.81M | $322.46M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Washington | $2.08B | 23 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.08B.
Similar-sized banks
First County Bank ($2.42B) · Coastal States Bank ($2.42B)
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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