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Peoples Bank Of The South
La Follette, TN · FDIC Certificate #4945 · Chartered 01/0
Total assets
$232.00M
Total deposits
$190.46M
Total equity
$27.66M
Net loans
$198.40M
Branches (offices)
3
Net income (YTD)
$3.57M
Rank: #2,803 of 4,213 U.S. banks by assets · #84 of 109 in Tennessee. Assets changed 3.0% and deposits 1.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 3.10% |
| Return on equity | 26.62% |
| Net interest margin (YTD) | 5.46% |
| Equity to assets | 11.92% |
| Tier 1 leverage ratio | 12.43% |
| Uninsured deposits (share of deposits) | 25.6% |
| Noncurrent loans (share of loans) | 0.85% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 104.2% |
| Real estate loans (share of loans) | 96.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $191.87M | 96.7% | |
| Commercial & industrial | $5.42M | 2.7% | |
| Consumer / individual | $3.12M | 1.6% | |
| Construction & development | $36.77M | 18.5% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $195.08M | $172.43M | $1.98M | $20.32M |
| Jun 2023 | $214.72M | $175.94M | $2.36M | $20.65M |
| Jun 2024 | $214.74M | $173.78M | $2.51M | $22.66M |
| Jun 2025 | $225.28M | $187.89M | $3.24M | $25.52M |
| Jun 2026 | $232.00M | $190.46M | $3.57M | $27.66M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Tennessee | $190.46M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $190.46M.
Similar-sized banks
Farmers State Bank Of Hoffman ($232.06M) · St. Clair County State Bank ($231.75M)
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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