Total Assets
$293M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
The Peoples Bank — FDIC Bank Health Profile
Chestertown, Maryland · Est. 1910. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
State chartered State member bank FDIC Cert #12885 New York Region
F
Health grade
At Risk
Score: 20/100
Basel III capital ratios — The Peoples Bank
Total Deposits
$252M
Customer-funded liabilities
Net Loans
—
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Safety Metrics
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
—
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$40M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
1.24%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
9.75%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
—
FDIC Deposit Insurance
The Peoples Bank is FDIC-insured (Certificate #12885). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
What the Numbers Say About The Peoples Bank
The Peoples Bank is an FDIC-insured institution (Certificate #12885) headquartered in Chestertown, Maryland, established in 1910. The bank currently holds $293M in total assets and $252M in customer deposits, with — deployed as loans. It operates as a State chartered (State member bank) within the FDIC New York region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, The Peoples Bank reports a Tier 1 Capital Ratio of — and a Texas Ratio of —. Equity capital stands at $40M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 1.24% and a Return on Equity of 9.75%, with an Efficiency Ratio of —. The combined picture yields a PlainBankData health grade of F (20/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at The Peoples Bank is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in Maryland by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data The Peoples Bank (FDIC Cert #12885) — Tier 1 capital ratio, total assets, deposits, CRA rating · 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 Maryland
All Maryland banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| EagleBank Bethesda | $10.4B | D | -1.10% |
| Forbright Bank Potomac | $7.9B | F | 1.35% |
| Shore United Bank, National Association Easton | $6.3B | C | 1.08% |
| CFG Bank Lutherville | $5.7B | B | 1.43% |
| Capital Bank, National Association Rockville | $3.5B | C | 1.51% |
| First United Bank & Trust Oakland | $2.1B | B | 1.27% |
| Rosedale Bank Nottingham | $1.3B | F | 0.18% |
| Middletown Valley Bank Middletown | $1.1B | C | 0.90% |
Frequently Asked Questions
What is The Peoples Bank's health grade? ▼
The Peoples Bank receives a health grade of F (20/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank has significant financial challenges. All deposits remain FDIC-insured up to $250,000.
How large is The Peoples Bank? ▼
The Peoples Bank holds $293M in total assets and $252M in deposits. It is headquartered in Chestertown, Maryland.
Is my money safe at The Peoples Bank? ▼
Yes. The Peoples Bank is FDIC-insured (Certificate #12885). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.