Advertisement
Peoples Bank
Clifton, TN · FDIC Certificate #9489 · Chartered 01/0
Total assets
$445.33M
Total deposits
$376.35M
Total equity
$54.15M
Net loans
$356.91M
Branches (offices)
5
Net income (YTD)
$3.13M
Rank: #1,926 of 4,213 U.S. banks by assets · #57 of 109 in Tennessee. Assets changed 11.5% and deposits 9.1% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.46% |
| Return on equity | 11.85% |
| Net interest margin (YTD) | 5.11% |
| Equity to assets | 12.16% |
| Tier 1 leverage ratio | 12.72% |
| Uninsured deposits (share of deposits) | 23.2% |
| Noncurrent loans (share of loans) | 0.39% |
| Net charge-offs (share of loans) | 0.27% |
| Loans to deposits | 94.8% |
| Real estate loans (share of loans) | 65.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $232.18M | 65.1% | |
| Commercial & industrial | $104.53M | 29.3% | |
| Consumer / individual | $15.19M | 4.3% | |
| Construction & development | $56.54M | 15.8% | |
| Agricultural | $8.03M | 2.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $285.90M | $254.14M | $1.84M | $25.27M |
| Jun 2023 | $337.24M | $289.71M | $3.06M | $37.09M |
| Jun 2024 | $383.46M | $326.36M | $3.82M | $43.49M |
| Jun 2025 | $399.58M | $345.08M | $3.39M | $49.22M |
| Jun 2026 | $445.33M | $376.35M | $3.13M | $54.15M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Tennessee | $376.35M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $376.35M.
Similar-sized banks
The Bank Of Vernon ($445.36M) · Riverhills Bank ($445.16M)
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.
Advertisement