FDIC Cert #21692 · Graceville, Florida · Est. 1974

Peoples Bank of Graceville - FDIC Bank Health Profile

A community-scale look at Peoples Bank of Graceville's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$113M
Total assets
A
Health grade · Excellent
0.86%
Return on assets
29.6%
Tier 1 capital

Data updated July 2026

The verdict

Peoples Bank of Graceville earns a PlainBankData health grade of A (82/100), with well-capitalized at 29.63% Tier 1, 0.86% ROA, 66% efficiency ratio.

#3,640
largest of 4,313 FDIC banks by assets
16th
percentile by asset size, nationally
29.63%
Tier 1 ratio - above the 10% well-capitalized line
33rd
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.

FDIC Call Report plate

Cert 21692 · FL A · 82/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-A A (82/100)
  • MID-PACK #1821/4307
  • PHOTO-FINISH The Bank of Bourbonn… · IL
  • TIER1-WELL 29.6% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-PAR 0.86% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Florida: The Bank of Bourbonnais, IL (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Peoples Bank of Graceville

Lowest and highest poles plus nearest scored peers outside Florida, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100First Naturalstate B… · AR ·…82/100GBC International Bank · CA …82/100Peoples Bank of Grac… · FL ·…82/100The Bank of Bourbonn… · IL ·…82/100The Citizens Bank · AL · near82/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Peoples Bank of Graceville · July 2026

Call Report read for Peoples Bank of Graceville in a high-failure state

Peoples Bank of Graceville (FDIC Cert #21692) carries a PlainBankData health grade of A at 82/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,821 of 4,307. Tier 1 capital prints at 29.63%, clearing the 10% well-capitalized line. The Texas Ratio is 0.00%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.86%. Balance-sheet scale is $113M, 3,640th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The Bank of Bourbonnais (IL), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Peoples Bank of Graceville

76 FAILURE resolutions in Florida since 2000, heavy vs the state corpus

Peoples Bank of Graceville sits in one of the heavier post-2000 FAILURE states (76 resolutions; latest year 2020). The list below is state history from the Failed Bank List, not a claim about Peoples Bank of Graceville's current Call Report.

  • FIRST CITY BANK OF FLORIDA FORT WALTON BEACH, FL 2020 → UNITED FIDELITY BANK, FSB
  • FIRST NATIONAL BANK OF CRESTVIEW CRESTVIEW, FL 2015 → FIRST NBC BANK
  • VALLEY BANK FORT LAUDERDALE, FL 2014 → LANDMARK BANK, NATIONAL ASSOCIATION

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Florida banks.

How Peoples Bank of Graceville's 82/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10082/100
Peoples Bank of Graceville's composite health score
Tier 1 Capital Ratio (29.63%) 40/40
Return on Assets (ROA) (0.86%) 14/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (66.20%) 8/15

82 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$113M

Total balance-sheet footings

Total Deposits

$104M

Customer-funded liabilities

Net Loans

$40M

Outstanding loan book

Net Income

$986K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% 30% 35% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 28.23% 29.63% 31.03%
Basel III capital ratios - Peoples Bank of Graceville

Where Peoples Bank of Graceville ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Peoples Bank of Graceville's score of 82/100 falls in the highlighted band.

Peoples Bank of Graceville: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

82 Top 42% higher than 58% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Peoples Bank of Graceville 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Peoples Bank of Graceville'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 Graceville's $113M falls in the highlighted band.

Capital & credit buffers at Peoples Bank of Graceville

Tier 1 capital ratio
Well-capitalized 10%

29.63% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
29.63%
Texas Ratio
0.00%
Equity Capital
$8M

What these ratios mean →

Profitability metrics: Peoples Bank of Graceville

Return on Assets (ROA)
33rd percentile nationally
0.86%
Return on Equity (ROE)
13.61%
Efficiency Ratio
66.20%

What these mean →

Income & expense at Peoples Bank of Graceville

$5M
Interest Income
$334K
Non-Interest Income
$2M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Peoples Bank of Graceville reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Peoples Bank of Graceville on FDIC BankFind →

Top banks in Florida by total assets

Largest banks headquartered in Florida
  1. 1
    SouthState Bank $67.2B

    Winter Haven, FL · Grade A

  2. 2
    EverBank $46.0B

    Jacksonville, FL · Grade B

  3. 3
    Raymond James Bank $43.4B

    Saint Petersburg, FL · Grade A

  4. 4
    BankUnited $35.0B

    Miami Lakes, FL · Grade B

  5. 5
    City National Bank of Florida $28.0B

    Miami, FL · Grade A

Top 5 banks in Florida ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($113M here), outside Florida so the neighborhood is not state containment.

Security State Bank $113M · IA Neighbors Bank $113M · MO Prairie Sun Bank $113M · MN Home Savings Bank $113M · UT

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Peoples Bank of Graceville (FDIC Cert #21692) - 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.

Peoples Bank of Graceville Call Report profile · FDIC Failed Bank List · Florida FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Florida

All Florida banks →
BankAssetsGradeROA
SouthState Bank, National AssociationWinter Haven $67.2B A 1.40%
EverBank, National AssociationJacksonville $46.0B B 0.72%
Raymond James BankSaint Petersburg $43.4B A 1.47%
BankUnited, National AssociationMiami Lakes $35.0B B 0.89%
City National Bank of FloridaMiami $28.0B A 0.96%
Seacoast National BankStuart $20.8B A 0.91%
Amerant Bank, National AssociationCoral Gables $9.8B C 0.64%
Ocean BankMiami $7.4B B 0.92%