FDIC Cert #12885 · Chestertown, Maryland · Est. 1910

The Peoples Bank - FDIC Bank Health Profile

This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.

Compiled from official public sources by the publisher.
$293M
Total assets
F
Health grade · At Risk
1.24%
Return on assets
-
Tier 1 capital

Data updated July 2026

The verdict

The Peoples Bank earns a PlainBankData health grade of F (20/100), with profitable at 1.24% ROA.

#2,517
largest of 4,313 FDIC banks by assets
42nd
percentile by asset size, nationally
60th
percentile for profitability (ROA), nationally

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 12885 · MD F · 20/100

GRADE-F · BOTTOM-DECILE · PHOTO-FINISH · TIER1-UNK · TEXAS-UNK · ROA-PAR · SIZE-MID · BOOK-MID

  • GRADE-F F (20/100)
  • BOTTOM-DECILE #4298/4307
  • PHOTO-FINISH Tri-Valley Bank · IA
  • TIER1-UNK Tier 1 blank
  • TEXAS-UNK Texas blank
  • ROA-PAR 1.24% ROA
  • SIZE-MID $100M–1B
  • BOOK-MID 5/9 fields

Nearest health peer outside Maryland: Tri-Valley Bank, IA (±2 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 The Peoples Bank

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

Morgan Stanley Bank,… · UT ·…100/100The Bank of East Asi… · NY ·…22/100Tri-Valley Bank · IA · near22/100The Peoples Bank · MD · this…20/100Columbia Savings and… · WI ·…18/100First & Peoples Bank… · KY ·…18/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The Peoples Bank · July 2026

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

The Peoples Bank (FDIC Cert #12885) carries a PlainBankData health grade of F at 20/100, 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 #4,298 of 4,307. Return on assets is 1.24%. Balance-sheet scale is $293M, 2,517th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Tri-Valley Bank (IA), ±2 health points away. 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 The Peoples Bank

10 FAILURE resolutions in Maryland since 2000, heavy vs the state corpus

The Peoples Bank sits in one of the heavier post-2000 FAILURE states (10 resolutions; latest year 2014). The list below is state history from the Failed Bank List, not a claim about The Peoples Bank's current Call Report.

  • SLAVIE FEDERAL SAVINGS BANK BEL AIR, MD 2014 → BAY BANK, FSB
  • NBRS FINANCIAL BANK RISING SUN, MD 2014 → HOWARD BANK
  • BANK OF THE EASTERN SHORE CAMBRIDGE, MD 2012

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

How The Peoples Bank's 20/100 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 avg77/10020/100
The Peoples Bank's composite health score
Tier 1 Capital Ratio (N/A) 0/40
Return on Assets (ROA) (1.24%) 20/25
Texas Ratio (N/A) 0/20
Efficiency Ratio (N/A) 0/15

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

Balance sheet at a glance

Total Assets

$293M

Total balance-sheet footings

Total Deposits

$252M

Customer-funded liabilities

Net Loans

-

Outstanding loan book

Net Income

$3M

Bottom-line earnings

Where The Peoples Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Peoples Bank's score of 20/100 falls in the highlighted band.

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

0-100 composite health score, FDIC Call Reports

20 0th percentile higher than 0% 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%). This entry sits in this band. 30–40: 36 FDIC-insured banks (1%). Above this entry. 40–50: 98 FDIC-insured banks (2%). Above this entry. 50–60: 279 FDIC-insured banks (6%). Above this entry. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. The 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

The 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). The Peoples Bank's $293M falls in the highlighted band.

Capital & credit buffers at The Peoples Bank

Tier 1 Capital Ratio
-
Texas Ratio
-
Equity Capital
$40M

What these ratios mean →

Earnings posture at The Peoples Bank

Return on Assets (ROA)
60th percentile nationally
1.24%
Return on Equity (ROE)
9.75%
Efficiency Ratio
-

What these mean →

What to watch at The Peoples Bank

The Peoples Bank's grade of F reflects specific pressure points in the FDIC Call Report.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at The Peoples Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.

FDIC Failed Bank List → View The Peoples Bank on FDIC BankFind →

Top banks in Maryland by total assets

Largest banks headquartered in Maryland
  1. 1
    EagleBank $10.4B

    Bethesda, MD · Grade C

  2. 2
    Forbright Bank $7.9B

    Potomac, MD · Grade B

  3. 3
    Shore United Bank $6.3B

    Easton, MD · Grade B

  4. 4
    CFG Bank $5.7B

    Lutherville, MD · Grade B

  5. 5
    Capital Bank $3.5B

    Rockville, MD · Grade B

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

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($293M here), outside Maryland so the neighborhood is not state containment.

Savings Bank $293M · IA RiverBank $293M · WA Evermore Bank $294M · FL Mi Bank $293M · MI

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Peoples Bank (FDIC Cert #12885) - 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.

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

Other banks in Maryland

All Maryland banks →
BankAssetsGradeROA
EagleBankBethesda $10.4B C -1.20%
Forbright BankPotomac $7.9B B 1.35%
Shore United Bank, National AssociationEaston $6.3B B 1.08%
CFG BankLutherville $5.7B B 1.43%
Capital Bank, National AssociationRockville $3.5B B 1.51%
First United Bank & TrustOakland $2.1B A 1.27%
Rosedale BankNottingham $1.3B B 0.18%
Middletown Valley BankMiddletown $1.1B B 0.90%