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The Peoples Bank
Iva, SC · FDIC Certificate #16968 · Chartered 01/0
Total assets
$446.69M
Total deposits
$393.51M
Total equity
$49.90M
Net loans
$274.19M
Branches (offices)
8
Net income (YTD)
$3.66M
Rank: #1,918 of 4,213 U.S. banks by assets · #24 of 43 in South Carolina. Assets changed 2.7% and deposits 0.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.65% |
| Return on equity | 15.29% |
| Net interest margin (YTD) | 4.30% |
| Equity to assets | 11.17% |
| Tier 1 leverage ratio | 12.92% |
| Uninsured deposits (share of deposits) | 19.5% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 69.7% |
| Real estate loans (share of loans) | 97.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $267.68M | 97.6% | |
| Commercial & industrial | $4.80M | 1.8% | |
| Consumer / individual | $3.89M | 1.4% | |
| Construction & development | $43.84M | 16.0% | |
| Agricultural | $17.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $415.31M | $384.40M | $2.58M | $29.45M |
| Jun 2023 | $405.53M | $370.02M | $3.52M | $33.38M |
| Jun 2024 | $415.02M | $373.32M | $3.16M | $38.80M |
| Jun 2025 | $435.13M | $390.42M | $3.38M | $41.74M |
| Jun 2026 | $446.69M | $393.51M | $3.66M | $49.90M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| South Carolina | $393.51M | 8 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $393.51M.
Similar-sized banks
Kensington Bank ($446.70M) · Oregon Coast Bank ($446.29M)
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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