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Peoplestrust Bank
Hamilton, AL · FDIC Certificate #57569 · Chartered 07/2
Total assets
$201.21M
Total deposits
$177.56M
Total equity
$21.23M
Net loans
$131.61M
Branches (offices)
3
Net income (YTD)
$1.07M
Rank: #2,966 of 4,213 U.S. banks by assets · #64 of 93 in Alabama. Assets changed 3.4% and deposits 2.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.08% |
| Return on equity | 10.28% |
| Net interest margin (YTD) | 3.73% |
| Equity to assets | 10.55% |
| Tier 1 leverage ratio | 11.11% |
| Uninsured deposits (share of deposits) | 22.9% |
| Noncurrent loans (share of loans) | 0.45% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 74.1% |
| Real estate loans (share of loans) | 65.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $85.49M | 65.0% | |
| Commercial & industrial | $37.12M | 28.2% | |
| Consumer / individual | $9.68M | 7.4% | |
| Construction & development | $10.22M | 7.8% | |
| Agricultural | $467.00K | 0.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $149.81M | $134.59M | $795.00K | $13.90M |
| Jun 2023 | $159.38M | $142.07M | $1.08M | $15.16M |
| Jun 2024 | $184.88M | $165.44M | $1.11M | $17.15M |
| Jun 2025 | $194.53M | $172.91M | $886.00K | $19.05M |
| Jun 2026 | $201.21M | $177.56M | $1.07M | $21.23M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Alabama | $177.56M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $177.56M.
Similar-sized banks
The First National Bank Of Louisburg ($201.29M) · State Bank & Trust Of Kenmare ($201.09M)
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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