# PEOPLES BANK MAGNOLIA, AR · FDIC certificate 12531 · asset band <$300M · latest filing 2026-06 · live **Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster). ## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses) | Measure | Value | Band median | |---|---|---| | Total assets | $195.9M | | | Deposits | $136.8M | | | Loans and leases | $151.9M | | | Total equity | $27.7M | | | Loans / deposits | 109.18% (p96 of band) | 73.59% | | Liquid assets / assets | 16.44% (p14 of band) | | | Uninsured deposits / deposits | 6.61% (p6 of band) | 19.81% | | Brokered deposits | 1.55% | | | Wholesale funding | 16.93% (p93 of band) | | | FHLB advances / assets | 15.39% | | | Tier 1 leverage | 13.59% (p68 of band) | 11.76% | | Unrealized securities loss / equity | 0.04% (p98 of band) | -6.57% | | AOCI / equity | -0.41% (p48 of band) | | | ROA (annualized) | 1.69% (p76 of band) | 1.17% | | Net interest margin | 5.65% (p97 of band) | 3.93% | | Efficiency ratio | 70.89% (p62 of band) | | | Noncurrent loans | 2.23% (p88 of band) | 0.36% | | Net charge-offs (annualized) | 0.21% (p93 of band) | | | Reserve coverage of noncurrent | 75.43% | | | Real estate % of loans | 74% | | | Construction % of loans | 54.29% (p81 of band) | | | Auto loans | $12.9M (8.46% of loans; DQ 10.16%, NCO 0.02%) | | | Loans to nondepository financials | $0 (0% of equity) (p48 of band) | | | Deposits YoY | -2.0% | | | Employees | 79 | | ## Flags firing in the latest filing - **loans exceed deposits** (`liq_ltd`) - **wholesale funding >15%** (`liq_wholesale`) - **charge-offs p90** (`aq_nco`) - **reserve under noncurrent** (`aq_reserve`) ## Warning timeline | Quarter | Score | Flags that first fired | Flags that cleared | |---|---|---|---| | 2011-03 | 2 | brokered >10%, wholesale funding >15% | | | 2011-06 | 2 | | | | 2011-09 | 2 | | | | 2011-12 | 3 | reserve under noncurrent | | | 2012-03 | 4 | deposits shrinking | | | 2012-06 | 5 | assets shrinking | | | 2012-09 | 5 | | | | 2012-12 | 5 | | | | 2013-03 | 5 | | | | 2013-06 | 6 | capital falling | | | 2013-09 | 5 | | capital falling | | 2013-12 | 5 | | | | 2014-03 | 3 | | deposits shrinking, assets shrinking | | 2014-06 | 4 | uninsured deposits leaving | | | 2014-09 | 3 | | uninsured deposits leaving | | 2014-12 | 4 | uninsured deposits leaving | | | 2015-03 | 4 | | | | 2015-06 | 3 | | uninsured deposits leaving | | 2015-09 | 3 | | | | 2015-12 | 3 | | | | 2016-03 | 5 | loans exceed deposits, uninsured deposits leaving | | | 2016-06 | 5 | deposits shrinking | uninsured deposits leaving | | 2016-09 | 5 | uninsured deposits leaving | deposits shrinking | | 2016-12 | 4 | | loans exceed deposits | | 2017-03 | 5 | capital falling, charge-offs p90 | uninsured deposits leaving | | 2017-06 | 4 | | capital falling | | 2017-09 | 4 | | | | 2017-12 | 4 | capital falling | charge-offs p90 | | 2018-03 | 4 | charge-offs p90 | capital falling | | 2018-06 | 4 | | | | 2018-09 | 5 | capital falling | | | 2018-12 | 4 | | capital falling | | 2019-03 | 5 | uninsured deposits leaving | | | 2019-06 | 8 | loans exceed deposits, deposits shrinking, assets shrinking | | | 2019-09 | 8 | | | | 2019-12 | 8 | | | | 2020-03 | 7 | | assets shrinking | | 2020-06 | 7 | capital falling | deposits shrinking | | 2020-09 | 6 | | capital falling | | 2020-12 | 5 | | uninsured deposits leaving | | 2021-03 | 5 | | | | 2021-06 | 5 | | | | 2021-09 | 5 | | | | 2021-12 | 5 | | | | 2022-03 | 5 | | | | 2022-06 | 6 | uninsured deposits leaving | | | 2022-09 | 5 | | uninsured deposits leaving | | 2022-12 | 6 | noncurrent p90 | | | 2023-03 | 6 | | | | 2023-06 | 6 | | | | 2023-09 | 5 | | brokered >10% | | 2023-12 | 7 | deposits shrinking, assets shrinking | | | 2024-03 | 8 | uninsured deposits leaving | | | 2024-06 | 7 | | uninsured deposits leaving | | 2024-09 | 7 | | | | 2024-12 | 7 | | | | 2025-03 | 7 | | | | 2025-06 | 6 | | noncurrent p90 | | 2025-09 | 6 | | | | 2025-12 | 5 | | deposits shrinking | | 2026-03 | 5 | deposits shrinking | assets shrinking | | 2026-06 | 4 | | deposits shrinking | ## In the news (Google News, unfiltered, newest first; check the city) - 2026-07-26 [Chance encounter leads to successful banking career for new Peoples Bank president - Southern Arkansas University](https://news.google.com/rss/articles/CBMitwFBVV95cUxOQ3RobEV3S004YlNSNkpGMkdCUXM2bFhLdHRzWlZQenRUbzNqUUNCU2tsTzZFdmRMc29KT3NHdllkMUhwWkUwZjJVcFg2clZPTFZjMm15Y3RoclZDcHZoZkVmMm9nUTdmOUR5dERiWmllNnRoNEFmVmFvbGF3UkJMT3B6T1ZpOEJjVnNDSWxaNkwzalZMRk96bF9WakJMSFo1LXY5TUh6YmtuRDdxRXZiQ0hfbDI4djQ?oc=5) · Southern Arkansas University - 2026-05-11 [Peoples Bank of Sheridan Celebrates 25 Years as De Novo Bank - Arkansas Business](https://news.google.com/rss/articles/CBMipgFBVV95cUxNdm1vYU1MT1JoWTFzNm13NVV4dFBVcmRqNFhTam43aHpPM21zenhBTUVIRlVEOGlBc0xhUDZmaXdOUUJLVXB1dTZJM1NuOHVmb1VRdHoyM1BDVV85WmgyWncxMTNfWGtwaWFnVGVpY21FUFhOYzI4OVBRdTJUekFzOFRKTVNVSVVfd0RsMjhKY0pzcUVDZ3RQeF93U3BGclpLVmhDaXNR?oc=5) · Arkansas Business - 2026-07-22 [First Financial expands Chicago push with $208M deal for Peoples Bank - Crain's Chicago Business](https://news.google.com/rss/articles/CBMilAFBVV95cUxQZlZ5cFdUS0hKZzFYak1UR2djaE1teXptaEdTaHZfSEhoWU1ZdlZ5QnEzZDFCSzNFeExKTkpidFBrcVJqQ2RkNWlLdUFDUTFLV2t0YzlpNWpzYjkzb2hfa0NablNlUE9ZV1V4TFIxNk5oclZBQXo1dlYxQkxLQzdIUGstVnpNUi1EWUJCQ2JpZWpyYTdW?oc=5) · Crain's Chicago Business - 2026-04-14 [McBride recognized for five years with Peoples Bank - Magnolia Reporter](https://news.google.com/rss/articles/CBMitgFBVV95cUxNbFV6ZVZCYmtJNHc3Y2NyR2RzbnRLemx3bGJyRlB3YUZpZXZ0OVB2WmlyTUtPT0VHZktBRmpIaFFvTi1kSC1VcTNIQWU5VUhEcEJveG10ZFBKSXNaSWYyQmxzQUw1aWFEWjBfaUw5aGJOTnJsamM5TG9UcVVkMTdTNUxNWTA2RTFmSHMwS3dheWE4azZ6cnpNeGZrN0RJNHF1UU8xZkhOOTkxN3p1VmRhczl4MHNydw?oc=5) · Magnolia Reporter - 2026-05-11 [Arkansas Hasn’t Seen a New De Novo Bank in Over Two Decades - Arkansas Business](https://news.google.com/rss/articles/CBMikAFBVV95cUxQTVVyeUxuN1BmdDM1cjBZbUVGTnc3UlppY25sWENQSV9qdloyaDZ5c3lWU0VvSUJiT2ZoRjh2c2doalRRa3VJNWhhRDczWW1LaTNVWDg2YXBoOW16SUI0cGU1RnI0ejAtQjdHcmtfb195MlN0VXdOTWx6S1lJcXZSQmtGNGJ4VUtUTFRhNTcxaEI?oc=5) · Arkansas Business - 2023-04-12 [Peoples Bank to Open New Office in Benton - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMiYEFVX3lxTE5lazRNdDFyNTZZZ1RmaGdlbnh6OURvQ3Bpby0zOGdXY3dXSzR3QnVMYXpqbTVzVnZvQVBZdG54QVNkcWtNdThhc29LbUwwbXJ3bWJMcjlVeGJqUU4zR2ctcg?oc=5) · Arkansas Money & Politics - 2025-12-18 [Neill recognized for ten years with Peoples Bank - Magnolia Banner News](https://news.google.com/rss/articles/CBMiowFBVV95cUxPaVVIUWlwdkFBRXRwbTNUQk5lMGN1UnBQb1ZsYjBNc0Q2MndsVlIxbzNRZkZpQm9jZXRhWnloOF9Qd2FiazE1NEVvdTFYQjBnMDNsVXZ2RkhGOEg0LUY0TmYwZlpOeVU1ekRiVHdkR05LSUJZUWpCOG5ZWU1yUzJMRTJvNUxMWlhLekdxZlNDcDRuRHlIN1RJZU5kekI3bVk1OUs0?oc=5) · Magnolia Banner News - 2022-07-19 [Peoples Bank launches ‘Pigs in Pictures’ treasure hunt - My Edmonds News](https://news.google.com/rss/articles/CBMikAFBVV95cUxOblpPQU9xbkVJeXlQZGtNWE5IVnNOMDVsYlJKQWRjV0FpVk9WZ1piRWZDWW5YNWlQSlZtMkxvb2ZhQ3NrZDl2MzMxZ0x5WjJFdHdBMXFxMnE0OTRjNmRESVc4cWhQcnZVMFFwNDZjaGJJd2Q4ZlhtN0VlTXNBbkVaWC1lbi0tdHRuRklDZnBGVS0?oc=5) · My Edmonds News ## How to verify - Page: https://getbookiq.com/bank-desk/#bank=12531 (click any number for its formula and FFIEC field codes) - Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/51.json (key "12531", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags) - Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary - Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list. --- Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide