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Overview / Commentary
4831 West 6th Street
Lawrence, KS 66049

Peoples Bank (KS) is headquartered in Lawrence and is the 23rd largest bank in the state of Kansas. It is also the 1,445th largest bank in the nation. It was established in 1871 and as of September of 2017, it had grown to 469 employees at 12 locations. Peoples Bank (KS) has an A health rating.

Reviews (1)

Peoples Bank

This was the first bank I ever had an account with. My parents had a cd in my name and it was started when I was a child. I had the following accounts:
1) 2 cds that were constantly reinvested into another cd when they matured.
2) a dual savings account (nothing other than a regular savings account) with my mother and father/myself that I put in any funds I made in the summer, or by doing the jobs my dad would give me around the farm from the age of 10-16.
3) I also had my own savings account (parents were secondary) I was allowed to open when I was 16 with my parents agreement. I used that account thereafter to deposit my paychecks from work and make withdrawals. I was allowed a savings deposit card.
4) I added a checking account at 18 to the 2nd savings account, and switched the savings account to a money market savings account. Both were in my name only, althought my mother was listed on there as able to access my account if needed. I kept the other savings since my parents put money into that yearly (for myself and my brothers).

The cds matured at 18 and 25. I used the first cd to buy a car, and the second to purchase furniture/pay closing costs for a house.

I still have the first savings account, although I gave my parents the primary position since I don't use it at all. We are using it as a way for my parents to deposit things as they wish (they are great parents).

The second money market savings and checking account have since been closed. They were kept open until I was 22. I was in the military so I moved alot and found it inconveninent to use a small bank that didn't have many locations. As I understand it, it has since expanded, but at the time it didn't have more than 4 or 5 branches in the kansas area.

I loved the small bank-everyone knew everyone. I would call from out of state or country (in the military) and they KNEW who I was and asked me personally how things were going. No matter what branch I called they knew me. I could ask for transfers and barely have to have anything filled out. They were so nice. Its a shame it wasn't as convenient to keep them.

They were reasonable with fees, I don't recall any checking fees. It was only the size and lack of other branches in other states that had me leave them for my main account.


Health Grade Components

FDIC Certificate #4751
Year Established1871
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.36%
Return on Equity - YTD12.99%
Annual Interest Income$15.0MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$496.5MM$521.1MM
LoansQ3 2017vs Q3 2016$391.7MM$426.4MM
DepositsQ3 2017vs Q3 2016$424.6MM$411.6MM
Equity CapitalQ3 2017vs Q3 2016$52.2MM$51.9MM
Loan Loss AllowanceQ3 2017vs Q3 2016$4.6MM$4.6MM
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$829.00K$1.6MM
Real Estate OwnedQ3 2017vs Q3 2016$1.7MM$4.4MM

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