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Peoples Bank
Newton, NC · FDIC Certificate #5956 · Chartered 01/0
Total assets
$1.76B
Total deposits
$1.57B
Total equity
$174.57M
Net loans
$1.27B
Branches (offices)
16
Net income (YTD)
$10.25M
Rank: #653 of 4,213 U.S. banks by assets · #10 of 38 in North Carolina. Assets changed 4.2% and deposits 3.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.18% |
| Return on equity | 11.91% |
| Net interest margin (YTD) | 3.86% |
| Equity to assets | 9.89% |
| Tier 1 leverage ratio | 11.50% |
| Uninsured deposits (share of deposits) | 21.5% |
| Noncurrent loans (share of loans) | 0.41% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 81.0% |
| Real estate loans (share of loans) | 93.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.18B | 93.2% | |
| Commercial & industrial | $65.63M | 5.2% | |
| Consumer / individual | $14.19M | 1.1% | |
| Construction & development | $133.58M | 10.5% | |
| Agricultural | $504.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.68B | $1.50B | $7.06M | $125.80M |
| Jun 2023 | $1.61B | $1.37B | $8.62M | $126.04M |
| Jun 2024 | $1.65B | $1.48B | $9.55M | $137.82M |
| Jun 2025 | $1.69B | $1.52B | $10.15M | $157.36M |
| Jun 2026 | $1.76B | $1.57B | $10.25M | $174.57M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| North Carolina | $1.57B | 16 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.57B.
Similar-sized banks
Column National Association ($1.77B) · Androscoggin Savings Bank ($1.76B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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