FDIC Cert #57058 · Sheridan, Arkansas · Est. 2000

PEOPLES BANK - FDIC Bank Health Profile

A community-scale look at PEOPLES BANK's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$290M
Total assets
A
Health grade · Excellent
1.76%
Return on assets
13.4%
Tier 1 capital

Data updated July 2026

The verdict

PEOPLES BANK earns a PlainBankData health grade of A (95/100), with well-capitalized at 13.41% Tier 1, profitable at 1.76% ROA, efficient (45% cost ratio).

#2,536
largest of 4,313 FDIC banks by assets
41st
percentile by asset size, nationally
13.41%
Tier 1 ratio - above the 10% well-capitalized line
84th
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.

FDIC Call Report plate

Cert 57058 · AR A · 95/100

GRADE-A · TOP-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (95/100)
  • TOP-DECILE #402/4307
  • PHOTO-FINISH Schaumburg Bank & Tr… · IL
  • TIER1-WELL 13.4% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-STRONG 1.76% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Arkansas: Schaumburg Bank & Trust Company, National Association, 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

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

Morgan Stanley Bank,… · UT ·…100/100Cedar Rapids Bank an… · IA ·…95/100Medallion Bank · UT · near95/100PEOPLES BANK · AR · this bank95/100Schaumburg Bank & Tr… · IL ·…95/100Town & Country Bank · NV · n…95/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around PEOPLES BANK · July 2026

What PEOPLES BANK's Call Report plate shows

PEOPLES BANK (FDIC Cert #57058) carries a PlainBankData health grade of A at 95/100, 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 #402 of 4,307. Tier 1 capital prints at 13.41%, clearing the 10% well-capitalized line. The Texas Ratio is 0.03%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.76%. Balance-sheet scale is $290M, 2,536th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Schaumburg Bank & Trust Company, National Association (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

4 FAILURE resolutions in Arkansas since 2000 (3 since 2008)

PEOPLES BANK's home state sits in the middle band of post-2000 FAILURE counts (4; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; PEOPLES BANK remains an active FDIC-insured reporter.

  • ALLIED BANK MULBERRY, AR 2016 → TODAY'S BANK
  • FIRST SOUTHERN BANK BATESVILLE, AR 2010 → SOUTHERN BANK
  • ANB FINANCIAL NATIONAL ASSOCIATION BENTONVILLE, AR 2008 → PULASKI BANK AND TRUST CO

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

How PEOPLES BANK's 95/100 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 avg77/10095/100
PEOPLES BANK's composite health score
Tier 1 Capital Ratio (13.41%) 35/40
Return on Assets (ROA) (1.76%) 25/25
Texas Ratio (0.03%) 20/20
Efficiency Ratio (44.59%) 15/15

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

Balance sheet at a glance

Total Assets

$290M

Total balance-sheet footings

Total Deposits

$250M

Customer-funded liabilities

Net Loans

$151M

Outstanding loan book

Net Income

$5M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 12.01% 13.41% 14.81%
Basel III capital ratios - PEOPLES BANK

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 95/100 falls in the highlighted band.

PEOPLES BANK: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

95 Top 9% higher than 91% 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%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. PEOPLES BANK 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'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 $290M falls in the highlighted band.

Safety ratios for PEOPLES BANK

Tier 1 capital ratio
Well-capitalized 10%

13.41% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
13.41%
Texas Ratio
0.03%
Equity Capital
$37M

What these ratios mean →

Earnings posture at PEOPLES BANK

Return on Assets (ROA)
84th percentile nationally
1.76%
Return on Equity (ROE)
14.09%
Efficiency Ratio
44.59%

What these mean →

Income & expense at PEOPLES BANK

$17M
Interest Income
$1M
Non-Interest Income
$6M
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 0.03% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.03% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View PEOPLES BANK on FDIC BankFind →

Top banks in Arkansas by total assets

Largest banks headquartered in Arkansas
  1. 1
    Bank OZK $40.8B

    Little Rock, AR · Grade A

  2. 2
    Arvest Bank $27.8B

    Fayetteville, AR · Grade C

  3. 3
    Simmons Bank $24.5B

    Pine Bluff, AR · Grade C

  4. 4
    Centennial Bank $22.7B

    Conway, AR · Grade A

  5. 5
    First Security Bank $8.4B

    Searcy, AR · Grade A

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

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($290M here), outside Arkansas so the neighborhood is not state containment.

Coleman County State Bank $290M · TX Partners Bank of Wisconsin $290M · WI Castle Rock Bank $290M · MN Nekoosa Port Edwards State Bank $290M · WI

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) PEOPLES BANK (FDIC Cert #57058) - 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 Call Report profile · FDIC Failed Bank List · Arkansas FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Arkansas

All Arkansas banks →
BankAssetsGradeROA
Bank OZKLittle Rock $40.8B A 1.78%
Arvest BankFayetteville $27.8B C 0.49%
Simmons BankPine Bluff $24.5B C -1.40%
Centennial BankConway $22.7B A 2.14%
First Security BankSearcy $8.4B A 1.81%
ENCORE BANKLittle Rock $3.6B C 0.19%
First Community BankBatesville $3.4B B 1.09%
Farmers Bank & Trust CompanyMagnolia $3.1B B 1.36%