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The Peoples Bank
Magnolia, AR · FDIC Certificate #12531 · Chartered 01/0
Total assets
$195.88M
Total deposits
$136.77M
Total equity
$27.66M
Net loans
$149.33M
Branches (offices)
4
Net income (YTD)
$1.66M
Rank: #3,001 of 4,213 U.S. banks by assets · #64 of 78 in Arkansas. Assets changed -2.0% and deposits -2.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.69% |
| Return on equity | 12.04% |
| Net interest margin (YTD) | 5.65% |
| Equity to assets | 14.12% |
| Tier 1 leverage ratio | 13.59% |
| Uninsured deposits (share of deposits) | 6.6% |
| Noncurrent loans (share of loans) | 2.23% |
| Net charge-offs (share of loans) | 0.28% |
| Loans to deposits | 109.2% |
| Real estate loans (share of loans) | 75.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $112.55M | 75.4% | |
| Commercial & industrial | $10.12M | 6.8% | |
| Consumer / individual | $29.25M | 19.6% | |
| Construction & development | $15.02M | 10.1% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $233.51M | $160.66M | $2.13M | $25.49M |
| Jun 2023 | $237.11M | $168.04M | $739.00K | $26.19M |
| Jun 2024 | $217.33M | $150.28M | $1.07M | $26.28M |
| Jun 2025 | $199.85M | $139.52M | $2.02M | $27.29M |
| Jun 2026 | $195.88M | $136.77M | $1.66M | $27.66M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Arkansas | $136.77M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $136.77M.
Similar-sized banks
New Market Bank ($195.98M) · Adrian Bank ($195.60M)
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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