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1120 South Rock Street
Sheridan, AR 72150

PEOPLES BANK (AR) is headquartered in Sheridan and is the 86th largest bank in the state of Arkansas. It is also the 4,393rd largest bank in the nation. It was established in 2000 and as of March of 2014, it had grown to 23 employees at 2 locations. PEOPLES BANK (AR) has a A+ health rating.

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Health

Data for Q1 2014

Institution Health

A+

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 PEOPLES BANK (AR) had $260,000 in non-current loans and owned real-estate with $17.62 million in equity and loan loss allowances on hand to cover it. This gives PEOPLES BANK (AR) a Texas Ratio of 1.48% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for PEOPLES BANK (AR) decreased dramatically from 2.71% as of March 31, 2013 to 1.48% as of March 31, 2014, resulting in a positive change of 45.47%.This indicates that the balance sheet and financial strength for PEOPLES BANK (AR) has improved dramatically in recent periods.

Deposit Growth

GRADE:
A+

In the past year, PEOPLES BANK (AR) has increased its total deposits by $4.76 million, resulting in 5.1% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth PEOPLES BANK (AR) has shown is excellent.

Capitalization

GRADE:
A+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. PEOPLES BANK (AR) has $115.23 million in assets with $17.62 million in equity, resulting in a capitalization level of 15.29%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #57058
Year Established2000
Employees23
Primary RegulatorFED
Assets and Liabilities
Assets$115.23 million
Loans$58.60 million
Deposits$98.18 million
Equity Capital$16.68 million
Loan Loss Allowance$941,000
Unbacked Noncurrent Loans$260,000
Real Estate Owned$0
Historic Data - March 2013
Assets$109.97 million
Equity Capital$15.93 million
Loan Loss Allowance$913,000
Unbacked Noncurrent Loans$260,000
Real Estate Owned$122,000
Profit Margin - Quarterly
Net Interest Margin3.73%
Return on Assets1.32%
Return on Equity9.19%
Interest Income$1.08 million
Rates

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Locations


PEOPLES BANK (AR) Locations
Peoples Bank1120 South Rock StreetSheridan, AR 72150
Peoples Bank (East End)20409 Arch StreetLittle Rock, AR 72206