Total Assets
$2.5B
Total balance-sheet footings
FDIC Cert #6158 · Bellingham, Washington · Est. 1921
Peoples Bank - FDIC Bank Health Profile
A community-scale look at Peoples Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $2.5B
- Total assets
- B
- Health grade · Good
- 1.00%
- Return on assets
- 12.8%
- Tier 1 capital
Data updated July 2026
The verdict
Peoples Bank earns a PlainBankData health grade of B (73/100), with well-capitalized at 12.78% Tier 1, 1.00% ROA, 71% efficiency ratio.
- #508
- largest of 4,313 FDIC banks by assets
- 88th
- percentile by asset size, nationally
- 12.78%
- Tier 1 ratio - above the 10% well-capitalized line
- 43rd
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Peoples Bank's 73/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Peoples Bank's composite health score
Tier 1 Capital Ratio (12.78%) 35/40
Return on Assets (ROA) (1.00%) 14/25
Texas Ratio (0.43%) 20/20
Efficiency Ratio (70.84%) 4/15
73 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$2.1B
Customer-funded liabilities
Net Loans
$1.9B
Outstanding loan book
Net Income
$24M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Peoples Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Peoples Bank's score of 73/100 falls in the highlighted band.
Peoples Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Peoples Bank's $2.5B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.78% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.78%
Texas Ratio
0.43%
Equity Capital
$314M
Profitability metrics
Return on Assets (ROA)
43rd percentile nationally
1.00%
Return on Equity (ROE)
8.04%
Efficiency Ratio
70.84%
What the numbers say about Peoples Bank
Peoples Bank is an FDIC-insured institution (Certificate #6158) headquartered in Bellingham, Washington, established in 1921. It holds $2.5B in total assets - 508th of 4,313 FDIC-insured banks, $2.1B in customer deposits, and $1.9B in net loans. Capital-wise, the Tier 1 ratio sits at 12.78%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 0.43%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (73 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Peoples Bank sits 7th of 30 banks headquartered in Washington by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$125M
Interest Income
$13M
Non-Interest Income
$76M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Peoples Bank reports a Texas Ratio of 0.43% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.43% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Washington by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Peoples Bank (FDIC Cert #6158) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Washington
All Washington banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| WaFd BankSeattle | $27.3B | B | 0.91% |
| Banner BankWalla Walla | $16.3B | A | 1.24% |
| Washington Trust BankSpokane | $10.7B | B | 0.89% |
| Heritage BankOlympia | $7.0B | A | 1.07% |
| Coastal Community BankEverett | $4.7B | A | 1.11% |
| 1st Security Bank of WashingtonMountlake Terrace | $3.2B | A | 1.14% |
| Cashmere Valley BankCashmere | $2.3B | A | 1.33% |
| First Fed BankPort Angeles | $2.1B | C | -0.10% |
Frequently asked questions
What is Peoples Bank's health grade?▼
Peoples Bank receives a health grade of B (73/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Peoples Bank?▼
Peoples Bank holds $2.5B in total assets and $2.1B in deposits, ranking 508th of 4,313 FDIC-insured banks by asset size. It is headquartered in Bellingham, Washington.
Is my money safe at Peoples Bank?▼
Yes, deposits at Peoples Bank (Certificate #6158) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Peoples Bank's Tier 1 Capital Ratio?▼
Peoples Bank has a Tier 1 Capital Ratio of 12.78%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Peoples Bank?▼
Peoples Bank has a Texas Ratio of 0.43%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Peoples Bank?▼
Peoples Bank has an Efficiency Ratio of 70.84%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Peoples Bank's profile as a depositor or analyst.
- Peoples Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Peoples Bank against other Washington banks before moving funds. Washington banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.