# PEOPLES BANK
CHESTERTOWN, MD · FDIC certificate 12885 · asset band <$300M · latest filing 2025-09 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (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 | $293.2M | |
| Deposits | $252.0M | |
| Loans and leases | $178.8M | |
| Total equity | $39.6M | |
| Loans / deposits | 69.96% (p45 of band) | 72.79% |
| Liquid assets / assets | 36.00% (p57 of band) | |
| Uninsured deposits / deposits | 9.96% (p15 of band) | 19.24% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.24% (p46 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.92% (p70 of band) | 11.81% |
| Unrealized securities loss / equity | -13.69% (p34 of band) | -7.16% |
| AOCI / equity | 4.91% (p61 of band) | |
| ROA (annualized) | 1.24% (p59 of band) | 1.07% |
| Net interest margin | 4.21% (p69 of band) | 3.81% |
| Efficiency ratio | 74.23% (p67 of band) | |
| Noncurrent loans | 0.29% (p47 of band) | 0.35% |
| Net charge-offs (annualized) | -0.02% (p7 of band) | |
| Reserve coverage of noncurrent | 480.35% | |
| Real estate % of loans | 93% | |
| Construction % of loans | 6.36% (p31 of band) | |
| Auto loans | $205,000 (0.11% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -2.6% | |
| Employees | 79 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | loans exceed deposits, losing money, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 4 |  | noncurrent p90 |
| 2011-09 | 4 | capital falling | loans exceed deposits |
| 2011-12 | 4 |  |  |
| 2012-03 | 4 |  |  |
| 2012-06 | 4 | noncurrent p90 | capital falling |
| 2012-09 | 4 |  |  |
| 2012-12 | 6 | capital falling, expense ratio p90 |  |
| 2013-03 | 2 |  | losing money, charge-offs p90, capital falling, expense ratio p90 |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 3 | uninsured deposits leaving |  |
| 2014-06 | 3 |  |  |
| 2014-09 | 3 |  |  |
| 2014-12 | 2 |  | uninsured deposits leaving |
| 2015-03 | 2 |  |  |
| 2015-06 | 3 | uninsured deposits leaving |  |
| 2015-09 | 1 |  | reserve under noncurrent, uninsured deposits leaving |
| 2015-12 | 0 |  | noncurrent p90 |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2016-12 | 3 | capital falling |  |
| 2017-03 | 2 |  | capital falling |
| 2017-06 | 1 |  | noncurrent p90 |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | reserve under noncurrent |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 | expense ratio p90 | capital falling |
| 2021-06 | 1 |  |  |
| 2021-09 | 2 | capital falling |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 0 |  | expense ratio p90, capital falling |
| 2022-06 | 1 | expense ratio p90 |  |
| 2022-09 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-12 | 2 |  | expense ratio p90 |
| 2023-03 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving | AOCI drag >20% of equity |
| 2023-06 | 4 |  |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 3 |  | securities losses >30% of equity |
| 2024-03 | 3 |  |  |
| 2024-06 | 1 |  | assets shrinking, uninsured deposits leaving |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 0 |  | deposits shrinking |
| 2025-06 | 1 | deposits shrinking |  |
| 2025-09 | 0 |  | deposits shrinking |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-01-05 [Hanscom Federal Credit Union Completes Acquisition of The Peoples Bank - PR Newswire](https://news.google.com/rss/articles/CBMixAFBVV95cUxNN1ZOWmZ6dm8wR0RidDBFTnY2UHdtdm1Ldy1DenFPaHF4T2EwNmNPRzhENXFmQUl1TWdCdjgzR2VmQjNHTThla2FIdGt0a01DazRyU1VMSEJJSTZ6Snp5NkZaREN5YWRGSmFUd1BfY0x4TUFvU0RSdDJPWU90ZVYxMm1obTc0dElLUTJGejJ4cVNjZXNrWjNlUGczMzdDUlZTX29RWU1kdVpJV3RpdzNiOVVzSlJqblRDOVpmRDJTWTdrazNJ?oc=5) · PR Newswire
- 2026-01-06 [8 things to know: Maryland bank acquired by credit union - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNM0dsMXE5dDdYSFVNbnE4TlZhNjJMUTNsYzRyc0lfM2t0ai11VGU4YVNGRHEzdU5BOG0zcUZuYUFBTmdtcGl1Z2JTMHJqVWY2TVl1bFYyTHFRa0JWVVMxeFNGdTlZUkFqWTBJQjJpVWM2YS1vb2N0QTBoZnNYMWNJVVM1b2s4ZVh6bXlOajhhY1dlclhtc09wVlFReWRBbVRJQ1dGNnpFVVo?oc=5) · The Business Journals
- 2026-03-18 [Peoples Bank Is Expanding Into The DMV. What Potential Does It See In The Area? - Bisnow](https://news.google.com/rss/articles/CBMimwFBVV95cUxQNklkeDZibmxtckhRODBvYmlxZ3o2TEpzZVZFQS1adkNQVUtjOHh5dlh1dEZJS3hHRTY0S2dUdmMtZG5sT191Qkg2dnVXVF93WWVMWkRIcjNjQXF4MTFfbjdWcUl3dmJmd2xYNEJWcTVXZlNrUTNTRUdwOGJhb2RnRXpHNzdGTmxiWmlmaHRuWWlsWnJ6dFpGamRybw?oc=5) · Bisnow
- 2026-01-06 [Massachusetts Credit Union Completes Buy of Maryland’s Peoples Bank, Insurance - Insurance Journal](https://news.google.com/rss/articles/CBMickFVX3lxTFBTWVBIMDNoNXhLajYzMUVGenFCTzJ0MTBrc2JjSTBGYWxEcGFQbHgyeHVMQi0yYm5fal9SN2JfNG1wRzZIRXlFaXdBaUFLeUVoUENtbzNsd0s0SnY3NUMtbXlqcnVuNVpDR1V2NnpSQmlXQQ?oc=5) · Insurance Journal
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-01-09 [Hanscom Federal Credit Union completes acquisition of Maryland firm - wbjournal.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxNZjdVTS1iWHRJSkFidC1Gcy1Wby1EQ2lWX2RSaE1vSFk5RmtPV0ZxWjBQTWhWQ1JVc0UzMWxhWUE3UWdocE1wOUZRM3ZzcEZjRm5GTF9fdFRjNlp0X1F2c3RzN3QyOEprYTZNalFzc3pZcjBGenhjZ3hrZkV2TEZ4VUIyQ3VWUGVjNXhvdXdBdV9Ia0tDWHZxZkdwOGFWdnM?oc=5) · wbjournal.com
- 2022-10-25 [Peoples Bank to nearly double Kentucky footprint with $208.2M deal - Banking Dive](https://news.google.com/rss/articles/CBMinAFBVV95cUxOV3R2MllWOTZmb3dVZF81RlpYYWhpa0lEU3p6RExSVlNOQlc5cDRLSjgyTC1aUWhfZ2tmMmtSd2h2TmJvdkU5d3dNRE9jN2tsNUhBR2xjWFVwcko0N0gwdjVmVjFOUG83TlV3emZYZDdYRjhPSk5DbzFTNjBQd25LQ2JuMlZrNzlNR2phenNnZTZJSEhJVlVxaFVnX3U?oc=5) · Banking Dive
- 2022-10-25 [Peoples Bancorp in Ohio signs $208 million deal to expand in Kentucky - American Banker](https://news.google.com/rss/articles/CBMipwFBVV95cUxOVU1rUk1RSVNRellrUTNoRkkxWkxsS1h2elFYVkg3czJLVlNLNzYtRVZBTTJ5X0FidUEwb1RvU2RpZHUxUE1kRWZwQUJOc0JaOWdkZW1uMExqOUNYQXFEV1ByelBkUmNqWlJHWTQ0WHpoNkdNU0JyWFEya0J5SHoteGFIS3ZISHVHNFVUSnJ6YmVsY0pyZ0l4SzV5T21JcEd3amE2R2JLTQ?oc=5) · American Banker

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12885 (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/21.json (key "12885", 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.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide