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1120 South Rock Street
Sheridan, AR 72150

PEOPLES BANK (AR) is headquartered in Sheridan and is the 82nd largest bank in the state of Arkansas. It is also the 4,301st largest bank in the nation. It was established in 2000 and as of June of 2014, it had grown to 23 employees at 2 locations. PEOPLES BANK (AR) has a A+ health rating.

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Data for Q2 2014

Institution Health


Texas Ratio


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 June 30, 2014 PEOPLES BANK (AR) had $146,000 in non-current loans and owned real-estate with $18.02 million in equity and loan loss allowances on hand to cover it. This gives PEOPLES BANK (AR) a Texas Ratio of 0.81% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for PEOPLES BANK (AR) decreased dramatically from 1.93% as of June 30, 2013 to 0.81% as of June 30, 2014, resulting in a positive change of 57.95%.This indicates that the balance sheet and financial strength for PEOPLES BANK (AR) has improved dramatically in recent periods.

Deposit Growth


In the past year, PEOPLES BANK (AR) has increased its total deposits by $5.73 million, resulting in 6.07% 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.



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 $117.63 million in assets with $18.02 million in equity, resulting in a capitalization level of 15.32%, which is excellent.

Institution Statistics

FDIC Certificate #57058
Year Established2000
Primary RegulatorFED
Assets and Liabilities
Assets$117.63 million
Loans$58.61 million
Deposits$100.17 million
Equity Capital$17.08 million
Loan Loss Allowance$942,000
Unbacked Noncurrent Loans$146,000
Real Estate Owned$0
Historic Data - June 2013
Assets$110.42 million
Equity Capital$15.79 million
Loan Loss Allowance$923,000
Unbacked Noncurrent Loans$146,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets1.32%
Return on Equity9.19%
Interest Income$2.17 million

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