Total Assets
$437M
Total balance-sheet footings
FDIC Cert #34517 · Madisonville, Tennessee · Est. 1997
Peoples Bank of East Tennessee - FDIC Bank Health Profile
A community-scale look at Peoples Bank of East Tennessee's own numbers, pulled straight from its quarterly FDIC Call Report.
- $437M
- Total assets
- B
- Health grade · Good
- 1.42%
- Return on assets
- 10.8%
- Tier 1 capital
Data updated July 2026
The verdict
Peoples Bank of East Tennessee earns a PlainBankData health grade of B (76/100), with well-capitalized at 10.83% Tier 1, profitable at 1.42% ROA, 63% efficiency ratio.
- #1,964
- largest of 4,313 FDIC banks by assets
- 54th
- percentile by asset size, nationally
- 10.83%
- Tier 1 ratio - above the 10% well-capitalized line
- 70th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Peoples Bank of East Tennessee's 76/100 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 East Tennessee's composite health score
Tier 1 Capital Ratio (10.83%) 28/40
Return on Assets (ROA) (1.42%) 20/25
Texas Ratio (2.46%) 20/20
Efficiency Ratio (62.55%) 8/15
76 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$391M
Customer-funded liabilities
Net Loans
$289M
Outstanding loan book
Net Income
$6M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Peoples Bank of East Tennessee ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Peoples Bank of East Tennessee's score of 76/100 falls in the highlighted band.
Peoples Bank of East Tennessee'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 East Tennessee's $437M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.83% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.83%
Texas Ratio
2.46%
Equity Capital
$43M
Profitability metrics
Return on Assets (ROA)
70th percentile nationally
1.42%
Return on Equity (ROE)
15.32%
Efficiency Ratio
62.55%
What the numbers say about Peoples Bank of East Tennessee
Peoples Bank of East Tennessee is an FDIC-insured institution (Certificate #34517) headquartered in Madisonville, Tennessee, established in 1997. It holds $437M in total assets - 1,964th of 4,313 FDIC-insured banks, $391M in customer deposits, and $289M in net loans. Its capital position: a Tier 1 ratio of 10.83%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 2.46% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (76 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 of East Tennessee sits 57th of 111 banks headquartered in Tennessee by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$26M
Interest Income
$3M
Non-Interest Income
$14M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Peoples Bank of East Tennessee reports a Texas Ratio of 2.46% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.46% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Tennessee by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Peoples Bank of East Tennessee (FDIC Cert #34517) - 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 Tennessee
All Tennessee banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| First Horizon BankMemphis | $83.6B | B | 1.35% |
| Pinnacle BankNashville | $57.6B | A | 1.25% |
| FirstBankNashville | $16.3B | B | 0.89% |
| Wilson Bank and TrustLebanon | $5.9B | A | 1.38% |
| SmartBankPigeon Forge | $5.9B | B | 1.00% |
| SouthEast BankFarragut | $3.5B | C | 0.68% |
| Home Federal Bank of TennesseeKnoxville | $2.7B | C | 0.21% |
| Builtwell BankChattanooga | $2.3B | A | 2.07% |
Frequently asked questions
What is Peoples Bank of East Tennessee's health grade?▼
Peoples Bank of East Tennessee receives a health grade of B (76/100) 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 of East Tennessee?▼
Peoples Bank of East Tennessee holds $437M in total assets and $391M in deposits, ranking 1,964th of 4,313 FDIC-insured banks by asset size. It is headquartered in Madisonville, Tennessee.
Is my money safe at Peoples Bank of East Tennessee?▼
Yes, deposits at Peoples Bank of East Tennessee (Certificate #34517) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Peoples Bank of East Tennessee's Tier 1 Capital Ratio?▼
Peoples Bank of East Tennessee has a Tier 1 Capital Ratio of 10.83%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Peoples Bank of East Tennessee?▼
Peoples Bank of East Tennessee has a Texas Ratio of 2.46%. 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 of East Tennessee?▼
Peoples Bank of East Tennessee has an Efficiency Ratio of 62.55%. 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 of East Tennessee's profile as a depositor or analyst.
- Peoples Bank of East Tennessee's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Peoples Bank of East Tennessee against other Tennessee banks before moving funds. Tennessee 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.