Peoples Bank: Bank Stress & Real-Estate Credit Exposure
FDIC Certificate #19788 · Lubbock, TX. This institution (Peoples Bank) no longer appears in the current FDIC branch and deposit filings (#19788) that DLRadar scores; FDIC records the last Peoples Bank day as a separately insured institution (#19788) as March 1, 2026. FDIC event for Peoples Bank: Participated in Absorbtion/Consolidation/Merger (2026-03-01). DLRadar last scored Peoples Bank (#19788) on September 20, 2026. The Peoples Bank facts below are its last recorded footprint (#19788), kept as a permanent Peoples Bank public record; the Peoples Bank figures are not refreshed.
Peoples Bank (#19788) carried no scored branch footprint (Peoples Bank) in the FDIC filings DLRadar reads; the Peoples Bank record exists because FDIC certificate 19788 was a separately insured Peoples Bank institution in Lubbock, TX, last seen by DLRadar (#19788) on September 20, 2026.
What the Peoples Bank (#19788) record holds: FDIC certificate 19788 for Peoples Bank, closed as a separate Peoples Bank charter on March 1, 2026; successor Cornerstone Capital Bank SSB (FDIC #1213) carries the Peoples Bank footprint forward; FDIC event for Peoples Bank: Participated in Absorbtion/Consolidation/Merger (2026-03-01); Peoples Bank (#19788) first entered DLRadar on September 20, 2026.
How Peoples Bank (#19788) was scored while active: the Peoples Bank stress score read FDIC call-report financials (#19788) and the Summary of Deposits branch file for Peoples Bank, mapped Peoples Bank branches to counties and ZIP codes (#19788), and weighted the Peoples Bank real-estate loan concentration against its peers; the Peoples Bank (#19788) figures on this page are the last such Peoples Bank run and are not refreshed.
Peoples Bank (#19788) net interest margin 4.56% against an eight-quarter Peoples Bank (#19788) average of 4.21% (Peoples Bank (#19788) compression -0.35 points); Peoples Bank (#19788) non-residential real estate 210.4% of equity; Peoples Bank (#19788) rate-exposure score 40/100, Peoples Bank (#19788) fixed-rate trap 40/100; Peoples Bank (#19788) risk type credit driven; Peoples Bank (#19788) rate regime rates elevated, Peoples Bank (#19788) snapshot May 27, 2026.
Peoples Bank (#19788) is chartered in Lubbock, TX; FDIC lists Peoples Bank (#19788) as inactive, succeeded by Cornerstone Capital Bank Ssb.
Why this Peoples Bank page exists: bank identities are historical data (#19788). When an institution such as Peoples Bank merges or its charter ends, DLRadar keeps the Peoples Bank profile so citations, links and the Peoples Bank score history stay resolvable (#19788), and points Peoples Bank to the successor where the FDIC records one. Every Peoples Bank figure traces to public FDIC data (#19788).