The Peoples Bank (MD)

Overview / Commentary

www.pbkc.com

410-778-3500

100 Spring Avenue
Chestertown, MD 21620

The Peoples Bank (MD) is headquartered in Chestertown and is the 34^th largest bank in the state of Maryland. It is also the 2,540^th largest bank in the nation. It was established in 1910 and as of June of 2019, it had grown to 79 employees at 7 locations. The Peoples Bank (MD) has a B+ health rating.

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Health

B+

Data as of Q2 2019

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Health Grade Components

Overall
FDIC Certificate #	12885
Year Established	1910
Employees	79
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.02%
Return on Equity - YTD	9.3%
Annual Interest Income	$4.7MM

Assets and Liabilities
Assets	Q2 2019vs Q2 2018	$242.4MM$240.8MM
Loans	Q2 2019vs Q2 2018	$181.5MM$192.5MM
Deposits	Q2 2019vs Q2 2018	$209.6MM$212.0MM
Equity Capital	Q2 2019vs Q2 2018	$27.4MM$25.0MM
Loan Loss Allowance	Q2 2019vs Q2 2018	$3.4MM$3.4MM
Unbacked Noncurrent Loans	Q2 2019vs Q2 2018	$2.3MM$2.8MM
Real Estate Owned	Q2 2019vs Q2 2018	$879.00K$1.5MM

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

The Peoples Bank (MD) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.18%	-	-	Steady Saver
0.15%	-	-	Regular Savings

The Peoples Bank (MD) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.30%^*	$25k^*	-	Money Market Deposit Account Plus
OTHER TIERS: 0.15% → Up to $2.5k \| 0.20% → $2.5k - $10k \| 0.25% → $10k - $25k
0.20%^*	$1k^*	-	Money Market Deposit Account
OTHER TIERS: 0.15% → Up to $1k

The Peoples Bank (MD) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.15%^*	$2.5k^*	-	Super Now Account
OTHER TIERS: 0.10% → Up to $2.5k
0.10%^*	$1k^*	-	Now Account
OTHER TIERS: 0.08% → Up to $1k

The Peoples Bank (MD) CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.20%^*	$5k^*	-	60 Month CD
OTHER TIERS: 1.10% → $500 - $5k
1.10%^*	$5k^*	-	48-59 Month CD
OTHER TIERS: 1.00% → $500 - $5k
1.05%	$5k	-	60 Month Golden Year CD
1.00%^*	$5k^*	-	36-47 Month CD
OTHER TIERS: 0.90% → $500 - $5k
1.00%	$1k	-	60 Month Peoples Choice CD
0.90%^*	$5k^*	-	24-35 Month CD
OTHER TIERS: 0.85% → $500 - $5k
0.85%	$1k	-	36 Month Peoples Choice CD
0.70%^*	$5k^*	-	18-23 Month CD
OTHER TIERS: 0.65% → $500 - $5k
0.55%^*	$5k^*	-	12-17 Month CD
OTHER TIERS: 0.50% → $500 - $5k
0.30%^*	$5k^*	-	6-11 Month CD
OTHER TIERS: 0.25% → $500 - $5k
0.25%^*	$5k^*	-	3-5 Month CD
OTHER TIERS: 0.20% → $500 - $5k

The Peoples Bank (MD) IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.20%^*	$5k^*	-	60 Month IRA
OTHER TIERS: 1.10% → $500 - $5k
1.10%^*	$5k^*	-	48-59 Month IRA
OTHER TIERS: 1.00% → $500 - $5k
1.00%^*	$5k^*	-	36-47 Month IRA
OTHER TIERS: 0.90% → $500 - $5k
1.00%	$1k	-	60 Month Peoples Choice IRA
0.90%^*	$5k^*	-	24-35 Month IRA
OTHER TIERS: 0.85% → $500 - $5k
0.85%	$1k	-	36 Month Peoples Choice IRA
0.75%	$1k	-	18 Month Variable IRA
0.70%^*	$5k^*	-	18-23 Month IRA
OTHER TIERS: 0.65% → $500 - $5k
0.55%^*	$5k^*	-	12-17 Month IRA
OTHER TIERS: 0.50% → $500 - $5k
0.50%	$50	-	12 Month Variable IRA
0.30%^*	$5k^*	-	6-11 Month IRA
OTHER TIERS: 0.25% → $500 - $5k
0.25%^*	$5k^*	-	3-5 Month IRA
OTHER TIERS: 0.20% → $500 - $5k

Locations

The Peoples Bank (MD) Locations
The Peoples Bank	100 Spring Avenue	Chestertown, MD 21620
Sudlersville Branch	228 East Main Street	Sudlersville, MD 21668
Millington Branch	31905 River Road	Millington, MD 21651
Galena Branch	Route 213 and Mill Lane	Galena, MD 21635
Rock Hall Branch	Routes 20 and 445	Rock Hall, MD 21661
Lees Corner Branch	Routes 291 and 213	Chestertown, MD 21620
Easton Branch	204 N. Washington Street	Easton, MD 21601

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