Peoples Community Bank

Peoples Community Bank Locations
15960 Kings Highway
Montross, VA 22520
www.peoplescommunitybank.biz

Peoples Community Bank is headquartered in Montross and is the 88th largest bank in the state of Virginia. It is also the 4,049th largest bank in the nation. It was established in 1913 and as of March of 2012, it had grown to 50 employees at 5 locations. Peoples Community Bank has a 4-star health rating.

Peoples Community Bank Routing Number: 051404846

Related Posts

5.25% 45-Month CD at Peoples Community Bank in Ohio and Indiana - 11/24/2008

Update 12/13/08: These special CDs are no longer listed on the website.Peoples Community Bank continues to offer some attractive CD specials. These include a 5.25% APY 45-month CD and a 4.00% APY 11-month CD as of 11/24/08. These rates require a Peoples...

4.55% 11-Month / 5.25% 45-Month CD at an Ohio/Indiana Bank (Peoples Community) - 8/17/2008

Peoples Community Bank is offering some attractive CD specials. These include a 4.55% APY 11-month CD, a 4.75% APY 25-month CD and a 5.25% APY 45-month CD. The minimum deposit is $1,000. These rates require a Peoples Checking or Savings account with a...


Data for Q1 2012


Institution Statistics


Peoples Community Bank
FDIC Certificate #829
BankRate ReportView
Year Established1913
Employees50
Primary RegulatorFED

Assets and Liabilities

Assets$139.75 million
Loans$87.55 million
Deposits$126.01 million
Equity Capital$12.77 million
Loan Loss Allowance$2.20 million
Unbacked Noncurrent Loans$2.20 million
Real Estate Owned$468,000

Historic Data - March 2011

Assets$133.55 million
Equity Capital$11.70 million
Loan Loss Allowance$1.80 million
Unbacked Noncurrent Loans$2.32 million
Real Estate Owned$1.28 million

Profit Margin - Quarterly

Net Interest Margin4.07%
Return on Assets0.76%
Return on Equity8.3%
Interest Income$1.56 million

Institution Health


Overall Score:
4 out of 5
4
Texas Ratio3
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Peoples Community Bank had $2.67 million in non-current loans and owned real-estate with $14.97 million in equity and loan loss allowances on hand to cover it. This gives Peoples Community Bank a Texas Ratio of 17.85% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend4
The Texas Ratio for Peoples Community Bank decreased slightly from 26.71% as of March 31, 2011 to 17.85% as of March 31, 2012, resulting in a positive change of 33.16%.This indicates that the balance sheet and financial strength for Peoples Community Bank has improved slightly in recent periods.
Deposit Growth4
In the past year, Peoples Community Bank has increased its total deposits by $4.72 million, resulting in 3.89% 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 Community Bank has shown is above average.
Capitalization4
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 Community Bank has $139.75 million in assets with $14.97 million in equity, resulting in a capitalization level of 10.71%, which is above average.
Write Review

No reviews have been left for this bank yet. Be the first to review.


 
Featured Accounts
Nationwide Savings Accounts