Peoples Bank (FDIC #9489): Bank Stress & Real-Estate Credit Exposure

Peoples Bank (FDIC Cert #9489): bank stress 54/100, moderate, STABLE over 7 days; parent PB BANCSHARES EMP STK OWNERSHIP PLAN.

Peoples Bank (#9489) lends in 3 counties across 1 state; Peoples Bank (#9489) reaches 20 ZIP codes: Tennessee 3 counties, 20 ZIPs.

Peoples Bank (#9489) largest markets: Lawrence County, TN (11 branches, 11 ZIPs) (#9489), Wayne County, TN (30 branches, 10 ZIPs) (#9489), Lewis County, TN (7 branches, 7 ZIPs) (#9489).

Peoples Bank (#9489) reports $445.3 million in total assets; Peoples Bank (#9489) equity $54.2 million (12.2% of Peoples Bank (#9489) assets); Peoples Bank (#9489) domestic deposits $376.4 million; Peoples Bank (#9489) net income $3.1 million; Peoples Bank (#9489) return on assets 1.46%; Peoples Bank (#9489) return on equity 11.85%; Peoples Bank (#9489) net interest income $10.0 million; Peoples Bank (#9489) call report June 30, 2026.

Peoples Bank (#9489) noncurrent real-estate loans 0.29% of its book; Peoples Bank (#9489) residential 0.69%; Peoples Bank (#9489) net charge-offs on real estate 0.34%.

Peoples Bank (#9489) net interest margin 5.11% against an eight-quarter Peoples Bank (#9489) average of 5.32% (Peoples Bank (#9489) compression 0.21 points); Peoples Bank (#9489) real-estate loans 28.6% of equity; Peoples Bank (#9489) rate-exposure score 40/100, Peoples Bank (#9489) fixed-rate trap 40/100; Peoples Bank (#9489) risk type credit driven; Peoples Bank (#9489) rate regime rates elevated, Peoples Bank (#9489) snapshot October 20, 2026.

Peoples Bank (#9489) stress score moved from 45.5 on June 22, 2026 to 53.7 on October 20, 2026; Peoples Bank (#9489) ranged 45.5 to 53.7 over 117 snapshots.

Peoples Bank (#9489) alerts: 3 counties; top Peoples Bank (#9489) alert scores: Hohenwald County, TN 20 (low); Mount Pleasant County, TN 20 (low); Waynesboro County, TN 20 (low).