Peoples Bank (FDIC #5956): Bank Stress & Real-Estate Credit Exposure

Peoples Bank (FDIC Cert #5956): bank stress 67/100, elevated, STABLE over 7 days; parent PEOPLES BCORP OF NC INC.

Peoples Bank (#5956) lends in 5 counties across 1 state; Peoples Bank (#5956) reaches 74 ZIP codes: North Carolina 5 counties, 74 ZIPs.

Peoples Bank (#5956) largest markets: Mecklenburg County, NC (74 branches, 37 ZIPs) (#5956), Iredell County, NC (16 branches, 16 ZIPs) (#5956), Catawba County, NC (140 branches, 14 ZIPs) (#5956), Lincoln County, NC (22 branches, 11 ZIPs) (#5956), Alexander County, NC (8 branches, 8 ZIPs) (#5956).

Peoples Bank (#5956) reports $1.76 billion in total assets; Peoples Bank (#5956) equity $174.6 million (9.9% of Peoples Bank (#5956) assets); Peoples Bank (#5956) domestic deposits $1.57 billion; Peoples Bank (#5956) net income $10.3 million; Peoples Bank (#5956) return on assets 1.18%; Peoples Bank (#5956) return on equity 11.91%; Peoples Bank (#5956) net interest income $31.5 million; Peoples Bank (#5956) call report June 30, 2026.

Peoples Bank (#5956) noncurrent real-estate loans: none reported; Peoples Bank (#5956) net charge-offs on real estate 0.43%; Peoples Bank (#5956) residential charge-offs 0.20%.

Peoples Bank (#5956) net interest margin 3.86% against an eight-quarter Peoples Bank (#5956) average of 3.69% (Peoples Bank (#5956) compression -0.16 points); Peoples Bank (#5956) non-residential real estate 19.7% of equity; Peoples Bank (#5956) rate-exposure score 40/100, Peoples Bank (#5956) fixed-rate trap 40/100; Peoples Bank (#5956) risk type credit driven; Peoples Bank (#5956) rate regime rates elevated, Peoples Bank (#5956) snapshot October 19, 2026.

Peoples Bank (#5956) stress score moved from 67.6 on June 22, 2026 to 67.3 on October 19, 2026; Peoples Bank (#5956) ranged 67.3 to 67.6 over 116 snapshots.

Peoples Bank (#5956) alerts: 5 counties; top Peoples Bank (#5956) alert scores: Hiddenite County, NC 23 (low); Huntersville County, NC 23 (low); Lincolnton County, NC 23 (low); Mooresville County, NC 23 (low); Newton County, NC 23 (low).