Peoples Bank: Bank Stress & Real-Estate Credit Exposure

At 77/100, Peoples Bank's DLRadar bank-stress reading is severe; the institution is filed under FDIC Cert #6110. That figure comes straight from public FDIC call-report data — capital, asset quality, earnings and property-loan concentration — weighted by the bank's lending footprint.

At the county level, Peoples Bank finances markets like Hardin County, TN, Henderson County, TN, Chester County, TN, Crockett County, TN — the specific places where its credit posture translates into local lending capacity. The Peoples Bank score updates as fresh FDIC call reports post each quarter, so its 77/100 reading and 4-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, Peoples Bank is directly comparable to any lender in the country. What separates this from a plain credit rating is the geographic weighting — Peoples Bank's 77/100 reading reflects not just its balance sheet but the 4 counties it lends into, so the score doubles as a map of where its stress will land first. Peoples Bank runs a compact, single-state real-estate lending footprint — 4 U.S. counties across 1 state, spanning 42 ZIP codes. The deepest footprints are Tennessee (4 counties). The value is in the linkage: Peoples Bank's severe reading is mapped onto 42 ZIP codes and 4 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline. Seven-day momentum reads stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. Because Peoples Bank is held under 1st Jackson Bancshares Inc, its financials are open to scrutiny and its trend can be independently checked. A severe score on a footprint this size means the markets Peoples Bank touches inherit a corresponding share of that lending pressure.

For buyers, lender stress is an early map of supply: when Peoples Bank pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. That makes bank stress a forward indicator — it points to tomorrow's distressed supply, not yesterday's.

DLRadar scores every FDIC-insured bank this way and links each lender to parcel-level foreclosure, tax-lien and ownership signals in the markets it serves. The result is an early, auditable read on supply, every figure anchored to public data.