Total Assets
$1.4B
Total balance-sheet footings
FDIC Cert #22537 · Cullman, Alabama · Est. 1977
Peoples Bank of Alabama - FDIC Bank Health Profile
A community-scale look at Peoples Bank of Alabama's own numbers, pulled straight from its quarterly FDIC Call Report.
- $1.4B
- Total assets
- A
- Health grade · Excellent
- 1.98%
- Return on assets
- 15.8%
- Tier 1 capital
Data updated July 2026
The verdict
Peoples Bank of Alabama earns a PlainBankData health grade of A (97/100), with well-capitalized at 15.77% Tier 1, profitable at 1.98% ROA, efficient (60% cost ratio).
- #790
- largest of 4,313 FDIC banks by assets
- 82nd
- percentile by asset size, nationally
- 15.77%
- Tier 1 ratio - above the 10% well-capitalized line
- 90th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Peoples Bank of Alabama's 97/100 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 of Alabama's composite health score
Tier 1 Capital Ratio (15.77%) 40/40
Return on Assets (ROA) (1.98%) 25/25
Texas Ratio (1.12%) 20/20
Efficiency Ratio (59.84%) 12/15
97 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$1.3B
Customer-funded liabilities
Net Loans
$889M
Outstanding loan book
Net Income
$28M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Peoples Bank of Alabama ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Peoples Bank of Alabama's score of 97/100 falls in the highlighted band.
Peoples Bank of Alabama'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 of Alabama's $1.4B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
15.77% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
15.77%
Texas Ratio
1.12%
Equity Capital
$142M
Profitability metrics
Return on Assets (ROA)
90th percentile nationally
1.98%
Return on Equity (ROE)
21.67%
Efficiency Ratio
59.84%
What the numbers say about Peoples Bank of Alabama
Peoples Bank of Alabama is an FDIC-insured institution (Certificate #22537) headquartered in Cullman, Alabama, established in 1977. It holds $1.4B in total assets - 790th of 4,313 FDIC-insured banks, $1.3B in customer deposits, and $889M in net loans. Looking at capital strength, Tier 1 stands at 15.77%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 1.12%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (97/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Alabama, Peoples Bank of Alabama ranks 11th of 94 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$80M
Interest Income
$14M
Non-Interest Income
$45M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Peoples Bank of Alabama reports a Texas Ratio of 1.12% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.12% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Alabama by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Peoples Bank of Alabama (FDIC Cert #22537) - 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 Alabama
All Alabama banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Regions BankBirmingham | $157.4B | A | 1.43% |
| ServisFirst BankBirmingham | $17.7B | A | 1.58% |
| River Bank & TrustPrattville | $3.8B | A | 1.18% |
| Bank IndependentSheffield | $3.0B | B | 1.01% |
| Bryant BankTuscaloosa | $2.9B | A | 1.69% |
| CB&S Bank, Inc.Russellville | $2.9B | C | 0.85% |
| Oakworth Capital BankBirmingham | $2.0B | B | 1.17% |
| Troy Bank & Trust CompanyTroy | $1.6B | A | 1.34% |
Frequently asked questions
What is Peoples Bank of Alabama's health grade?▼
Peoples Bank of Alabama receives a health grade of A (97/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Peoples Bank of Alabama?▼
Peoples Bank of Alabama holds $1.4B in total assets and $1.3B in deposits, ranking 790th of 4,313 FDIC-insured banks by asset size. It is headquartered in Cullman, Alabama.
Is my money safe at Peoples Bank of Alabama?▼
Yes, deposits at Peoples Bank of Alabama (Certificate #22537) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Peoples Bank of Alabama's Tier 1 Capital Ratio?▼
Peoples Bank of Alabama has a Tier 1 Capital Ratio of 15.77%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Peoples Bank of Alabama?▼
Peoples Bank of Alabama has a Texas Ratio of 1.12%. A ratio below 50% is generally considered 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 of Alabama?▼
Peoples Bank of Alabama has an Efficiency Ratio of 59.84%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Peoples Bank of Alabama's profile as a depositor or analyst.
- Peoples Bank of Alabama's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Peoples Bank of Alabama against other Alabama banks before moving funds. Alabama 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.