Total Assets
$113M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$104M
Customer-funded liabilities
Net Loans
$40M
Outstanding loan book
Net Income
$986K
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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.
Safety metrics
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
Profitability metrics
Return on Assets (ROA)
33rd percentile nationally
0.86%
Return on Equity (ROE)
13.61%
Efficiency Ratio
66.20%
What the numbers say about Peoples Bank of Graceville
Peoples Bank of Graceville is an FDIC-insured institution (Certificate #21692) headquartered in Graceville, Florida, established in 1974. It holds $113M in total assets - 3,640th of 4,313 FDIC-insured banks, $104M in customer deposits, and $40M in net loans. Its capital position: a Tier 1 ratio of 29.63%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.00% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (82 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 Graceville is a community-scale institution -- 78th of 83 FDIC-insured banks headquartered in Florida by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$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.
Top banks in Florida by total assets
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.
Other banks in Florida
All Florida banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Peoples Bank of Graceville's health grade?▼
Peoples Bank of Graceville receives a health grade of A (82/100) 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 Graceville?▼
Peoples Bank of Graceville holds $113M in total assets and $104M in deposits, ranking 3,640th of 4,313 FDIC-insured banks by asset size. It is headquartered in Graceville, Florida.
Is my money safe at Peoples Bank of Graceville?▼
Yes, deposits at Peoples Bank of Graceville (Certificate #21692) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Peoples Bank of Graceville's Tier 1 Capital Ratio?▼
Peoples Bank of Graceville has a Tier 1 Capital Ratio of 29.63%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Peoples Bank of Graceville?▼
Peoples Bank of Graceville has a Texas Ratio of 0.00%. 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 Graceville?▼
Peoples Bank of Graceville has an Efficiency Ratio of 66.20%. 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 Graceville's profile as a depositor or analyst.
- Peoples Bank of Graceville's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Peoples Bank of Graceville against other Florida banks before moving funds. Florida 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.