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The Peoples Bank
Sardis, TN · FDIC Certificate #6110 · Chartered 12/2
Total assets
$113.07M
Total deposits
$100.72M
Total equity
$11.09M
Net loans
$75.38M
Branches (offices)
5
Net income (YTD)
$390.00K
Rank: #3,584 of 4,213 U.S. banks by assets · #102 of 109 in Tennessee. Assets changed 3.5% and deposits 3.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.70% |
| Return on equity | 7.14% |
| Net interest margin (YTD) | 4.29% |
| Equity to assets | 9.80% |
| Tier 1 leverage ratio | 10.62% |
| Uninsured deposits (share of deposits) | 8.5% |
| Noncurrent loans (share of loans) | 1.21% |
| Net charge-offs (share of loans) | 0.21% |
| Loans to deposits | 74.8% |
| Real estate loans (share of loans) | 87.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $66.13M | 87.7% | |
| Commercial & industrial | $6.07M | 8.1% | |
| Consumer / individual | $2.84M | 3.8% | |
| Construction & development | $5.59M | 7.4% | |
| Agricultural | $906.00K | 1.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $115.97M | $106.22M | $407.00K | $9.00M |
| Jun 2023 | $104.04M | $94.32M | $252.00K | $8.51M |
| Jun 2024 | $112.59M | $101.74M | $260.00K | $9.22M |
| Jun 2025 | $109.25M | $97.51M | $292.00K | $10.29M |
| Jun 2026 | $113.07M | $100.72M | $390.00K | $11.09M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Tennessee | $100.72M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $100.72M.
Similar-sized banks
Spring Valley Bank ($113.58M) · Monument Bank ($112.83M)
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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