# PEOPLES BANK
COLDWATER, KS · FDIC certificate 14636 · asset band <$300M · latest filing 2025-03 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (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 | $56.6M | |
| Deposits | $47.8M | |
| Loans and leases | $32.0M | |
| Total equity | $7.0M | |
| Loans / deposits | 66.15% (p42 of band) | 70.65% |
| Liquid assets / assets | 38.68% (p59 of band) | |
| Uninsured deposits / deposits | 18.68% (p47 of band) | 19.26% |
| Brokered deposits | 6.17% | |
| Wholesale funding | 8.18% (p80 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.11% (p66 of band) | 11.50% |
| Unrealized securities loss / equity | -13.12% (p46 of band) | -11.46% |
| AOCI / equity | 3.04% (p74 of band) | |
| ROA (annualized) | 1.15% (p58 of band) | 1.00% |
| Net interest margin | 3.56% (p45 of band) | 3.68% |
| Efficiency ratio | 71.17% (p55 of band) | |
| Noncurrent loans | 0.80% (p71 of band) | 0.28% |
| Net charge-offs (annualized) | 0.01% (p70 of band) | |
| Reserve coverage of noncurrent | 150.97% | |
| Real estate % of loans | 39% | |
| Construction % of loans | 9.69% (p37 of band) | |
| Auto loans | $447,000 (1.40% of loans; DQ 1.34%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.9% | |
| Employees | 11 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 2 | capital falling, reserve under noncurrent |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 1 |  | capital falling |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 2 | AOCI drag >20% of equity |  |
| 2013-12 | 0 |  | reserve under noncurrent, AOCI drag >20% of equity |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | reserve under noncurrent |  |
| 2014-12 | 0 |  | reserve under noncurrent |
| 2015-03 | 1 | reserve under noncurrent |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | reserve under noncurrent |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | uninsured deposits leaving |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 0 |  | uninsured deposits leaving |
| 2019-09 | 1 | wholesale funding >15% |  |
| 2019-12 | 0 |  | wholesale funding >15% |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | brokered >10% |  |
| 2020-09 | 0 |  | brokered >10% |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 1 | uninsured deposits leaving | capital falling |
| 2021-09 | 0 |  | uninsured deposits leaving |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 1 | AOCI drag >20% of equity | capital falling |
| 2022-09 | 3 | securities losses >30% of equity, assets shrinking |  |
| 2022-12 | 2 |  | assets shrinking |
| 2023-03 | 1 | deposits shrinking | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 1 | securities losses >30% of equity | deposits shrinking |
| 2023-09 | 1 |  |  |
| 2023-12 | 0 |  | securities losses >30% of equity |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | capital falling |  |
| 2025-03 | 1 |  |  |

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

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2025-10-16 [Cornerstone Capital Bank to acquire Lubbock-based Peoples Bank in first deal since 2022 - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxOU1k5bG5IaWpnaVRMWjhWMnk3WjVrb0M3X0xLdURhZW5lLVdFenVpUzRlRG1jOHJ4TGNkcDdxalMwbkJ0M2hzX0VmbnBvU2RVS290RFJCSlNEdnlYX21WQWZKa3J2WFlSWko0WDhZT2VVeHNKdXZCeDlpRVJrZWc3S0dHblhteE93MTN6THNmT01UM3hYSUlDVEVYYThOWnFmdTNCNWZn?oc=5) · The Business Journals
- 2025-11-20 [Ad Astra Radio’s November Classroom Hero Jerrad Willis, Presented by Peoples Bank and Trust - Ad Astra Radio](https://news.google.com/rss/articles/CBMizAFBVV95cUxOOGpTeGoyRGZoWFFnRjVNRWQ5VmlVcnJTVkhxVXd3RkhESzNvdlNVcG9nbFNjeUJvWDJidnVZcGJfOG1ia1JRcUQzRGVLRGR6VTZZTVJWcmV6QXFHWkRPVjY3RUh3Mnlaa2FsWlQwS3NWYk5KZWRLWmQyRDVQM3pJTl8wTFBQaWpnY0xHUjdRZTNyTWNxLS1jQThLdzVvdjNRN1FEX0RMZTJVWGZ3aUREd0FUbUhLeHd5em0xbHZVYmRRcG1PS1ZPbTcyeWY?oc=5) · Ad Astra Radio
- 2023-03-07 [Peoples Bank and Trust Pledges $500,000 To Major McPherson College Building Project - McPherson College](https://news.google.com/rss/articles/CBMitwFBVV95cUxPV2NIWnE3LWYzZXFsYXdQRUpvRGFvdmdTTDBGUk8xNjU4NDFXZFZaZjdnRmVoQ3liR3JETXNUZmpDa2I2bUhXR28yWHp4UEdhM2FaajZLMnhEWlJkZDFBWF9fYjl5cm5CTkxrTHA4cU1rSWR4eHhsM21ibDhuMlQwVmp0MUJDcTlBNklZTmlnVzF6WW9SYkMzNUVoMGg0MFJYbGRIei1lYXBMSEY4TnZkMi0tVjJ1dVE?oc=5) · McPherson College
- 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
- 2026-07-21 [First Financial Bank acquiring 116-year-old Peoples Bank - nwitimes.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQNldNeUx0TUtRRXJOTGhJaGlQeENPWUZPYVc0Y1RvV3dMZWNxU3k5ZEY0aW15VzFFZHZONVZNdXU2QkpqMlpXSHJCT2lQc0dHZnpZdFgyTS1jZ3hrSTNmbGZMRzNQNVY4SWlsQVJlY1hTd2JFei0tRWVqdGdPZkZRUk1ObUZuYlV1?oc=5) · nwitimes.com
- 2017-07-19 [National Bank Holdings Corporation to buy Peoples Bank for $36.3 million - The Taos News](https://news.google.com/rss/articles/CBMi8gFBVV95cUxQZWxUb0FSX2ZQWC1YOXc2UmExanlHWU9YRDZqWE1UZ2U2ZUFhU3kzbkhtdUpGZlprZGNrbnVjOV9jNzlrUXA5Wl9hTHBjT0l5aUYxVTVWalYzZElRTDAyYVdzWXVPVEZDV2kyT0w5MkUtM1BXV09ET2l0MUVCcngwMHRYVEVaeUpHN1VfTzdrN2pQQ2prQ0pHWktSREhWLUk5MjRCbm9QWElMSmI5S0w4WTgzUnE1elBfVGxneExjdmRINmFMcXQxVkxKdzZHUWZCLWlscXNMVlVtVEJJRGJURWVBZEF1a3oxcXZqTllzTnlPdw?oc=5) · The Taos News
- 2024-09-28 [Peoples Bank acquires KANZA Bank - Hutch Post](https://news.google.com/rss/articles/CBMickFVX3lxTE5lWk5fQ0JMWWk3dVFHZ0tsdWlQQ1pnUHluZm80TzNpTHlUeHUyVTNVYXBxcHVJVk1jZDFnQ09PeVBPOVJVRUp6ZXBxMTBlMi1ELUxqNHFoSDUxVTlPZTZlR1A5TXZvcl9JTFo4bWw1YURhZw?oc=5) · Hutch Post

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14636 (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/44.json (key "14636", 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