Peoples Bank (FDIC #6110): Bank Stress & Real-Estate Credit Exposure

Peoples Bank (FDIC Cert #6110): bank stress 77/100, severe, STABLE over 7 days; parent 1ST JACKSON BANCSHARES INC.

Peoples Bank (#6110) lends in 4 counties across 1 state; Peoples Bank (#6110) reaches 42 ZIP codes: Tennessee 4 counties, 42 ZIPs.

Peoples Bank (#6110) largest markets: Hardin County, TN (14 branches, 14 ZIPs) (#6110), Henderson County, TN (28 branches, 14 ZIPs) (#6110), Chester County, TN (12 branches, 12 ZIPs) (#6110), Crockett County, TN (8 branches, 8 ZIPs) (#6110).

Peoples Bank (#6110) reports $113.1 million in total assets; Peoples Bank (#6110) equity $11.1 million (9.8% of Peoples Bank (#6110) assets); Peoples Bank (#6110) domestic deposits $100.7 million; Peoples Bank (#6110) net income $390,000; Peoples Bank (#6110) return on assets 0.70%; Peoples Bank (#6110) return on equity 7.14%; Peoples Bank (#6110) net interest income $2.3 million; Peoples Bank (#6110) call report June 30, 2026.

Peoples Bank (#6110) noncurrent real-estate loans: none reported; Peoples Bank (#6110) net charge-offs on real estate 1.38%.

Peoples Bank (#6110) net interest margin 4.29% against an eight-quarter Peoples Bank (#6110) average of 3.98% (Peoples Bank (#6110) compression -0.31 points); Peoples Bank (#6110) rate-exposure score 40/100, Peoples Bank (#6110) fixed-rate trap 40/100; Peoples Bank (#6110) risk type credit driven; Peoples Bank (#6110) rate regime rates elevated, Peoples Bank (#6110) snapshot October 19, 2026.

Peoples Bank (#6110) stress score moved from 79.5 on June 22, 2026 to 77.3 on October 19, 2026; Peoples Bank (#6110) ranged 77.3 to 79.5 over 116 snapshots.

Peoples Bank (#6110) alerts: 4 counties; top Peoples Bank (#6110) alert scores: Henderson County, TN 52 (elevated); Maury City County, TN 25 (low); Reagan County, TN 25 (low); Sardis County, TN 25 (low).