# PEOPLES BANK
PARIS, TX · FDIC certificate 27398 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $185.4M | |
| Deposits | $168.4M | |
| Loans and leases | $148.0M | |
| Total equity | $15.3M | |
| Loans / deposits | 87.15% (p75 of band) | 73.59% |
| Liquid assets / assets | 17.24% (p16 of band) | |
| Uninsured deposits / deposits | 13.63% (p26 of band) | 19.81% |
| Brokered deposits | 16.06% | |
| Wholesale funding | 16.06% (p92 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.56% (p18 of band) | 11.76% |
| Unrealized securities loss / equity | -17.89% (p26 of band) | -6.57% |
| AOCI / equity | 0.07% (p88 of band) | |
| ROA (annualized) | 1.83% (p81 of band) | 1.17% |
| Net interest margin | 4.04% (p56 of band) | 3.93% |
| Efficiency ratio | 58.57% (p32 of band) | |
| Noncurrent loans | 0.25% (p44 of band) | 0.36% |
| Net charge-offs (annualized) | 0.03% (p74 of band) | |
| Reserve coverage of noncurrent | 336.71% | |
| Real estate % of loans | 94% | |
| Construction % of loans | 14.66% (p46 of band) | |
| Auto loans | $420,000 (0.28% of loans; DQ 1.90%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 13.0% | |
| Employees | 33 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | wholesale funding >15% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 3 | charge-offs p90, reserve under noncurrent |  |
| 2012-06 | 1 |  | charge-offs p90, reserve under noncurrent |
| 2012-09 | 2 | charge-offs p90 |  |
| 2012-12 | 2 | capital falling | charge-offs p90 |
| 2013-03 | 2 |  |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 1 |  | capital falling |
| 2013-12 | 2 | AOCI drag >20% of equity |  |
| 2014-03 | 1 |  | AOCI drag >20% of equity |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | capital falling |  |
| 2015-03 | 1 |  | capital falling |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 2 | uninsured deposits leaving |  |
| 2016-03 | 2 | capital falling | uninsured deposits leaving |
| 2016-06 | 2 |  |  |
| 2016-09 | 1 |  | capital falling |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | uninsured deposits leaving |  |
| 2017-06 | 3 | capital falling |  |
| 2017-09 | 1 |  | uninsured deposits leaving, capital falling |
| 2017-12 | 3 | brokered >10%, uninsured deposits leaving |  |
| 2018-03 | 3 | assets shrinking | uninsured deposits leaving |
| 2018-06 | 2 |  | assets shrinking |
| 2018-09 | 3 | capital falling |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 2 |  | capital falling |
| 2019-06 | 2 |  |  |
| 2019-09 | 3 | deposits shrinking |  |
| 2019-12 | 2 |  | brokered >10% |
| 2020-03 | 4 | brokered >10%, charge-offs p90 |  |
| 2020-06 | 2 |  | brokered >10%, charge-offs p90 |
| 2020-09 | 1 |  | deposits shrinking |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 | capital falling | wholesale funding >15% |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 3 | assets shrinking |  |
| 2022-12 | 4 | charge-offs p90 |  |
| 2023-03 | 4 | deposits shrinking, uninsured deposits leaving | AOCI drag >20% of equity, charge-offs p90 |
| 2023-06 | 4 | wholesale funding >15%, capital falling | assets shrinking, deposits shrinking |
| 2023-09 | 3 |  | uninsured deposits leaving |
| 2023-12 | 1 |  | wholesale funding >15%, capital falling |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 | assets shrinking | securities losses >30% of equity |
| 2024-12 | 1 | securities losses >30% of equity | assets shrinking |
| 2025-03 | 0 |  | securities losses >30% of equity |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | brokered >10% |  |
| 2025-12 | 0 |  | brokered >10% |
| 2026-03 | 2 | brokered >10%, wholesale funding >15% |  |
| 2026-06 | 2 |  |  |

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

- 2026-03-02 [/C O R R E C T I O N -- Cornerstone Capital Bank/ - PR Newswire](https://news.google.com/rss/articles/CBMi4gFBVV95cUxOVk9yVE1Mb0JVb3pTNnpuRzBKOGsyNTRxZkZ3RFByZUI4OU9MVlpDSTNyUXZlTzBoY2JYNzBSazVnUzdGbDhyMnNoYkhNTEo0TTdGZkVHRmw4aEtJYnFVVDhZVFEzOTM0TENlQ1Y1b1U5TUwwRG5BSGV5RlFiczFFR3ZTUGZGLXE3Qkw3ZjUwOUNzZllrTEE3ZG9RWE0ta3RxdTZUdEo3Q3dQVHlhRWxja3pncFhNM2M0Q01ZNGwwRnVpcVJlc0hOdzVPdUt3S19HZE5QcFZzN01HdFVQak1tdmJR?oc=5) · PR Newswire
- 2026-03-02 [Peoples Bank of Lubbock acquired by Houston company - Lubbock Avalanche-Journal](https://news.google.com/rss/articles/CBMizwFBVV95cUxQOFJScU4xRFc3QURDVkNVTldBOGNEV212cTVjbEI3WG9aSVdUcmN0Wk03dzNPcW5lTjhKUW1Dc21yWlcyVFhPUm5IRFdnSUM3YjhocnZ1OExJMElaMkx1UGwyMm8yUTJLSEZsOFFORnJlSDhhclRaelFSNkF3cFNBR3Z4MWpyLXFWbmxwMDRVVlBkTEZMc29HQWgtVndlVnQ2N0tuRXZWMDVxSzF3Y2xUMmFmRWFHdlpNNURPSWgyOWZBbjhHUnVDd2V2WjJmbG8?oc=5) · Lubbock Avalanche-Journal
- 2026-02-23 [Peoples Bank Announces Promotion of Carolyn Bell - eextra.news](https://news.google.com/rss/articles/CBMijwFBVV95cUxQWDR2b3BlcVlfZFJDbUFEMTdKV01zMW9oTG5wNmM2Wkd3VzdxN09MX2NzcmRQUm5vUnJDUFpmeGw2ZW1kYVJMMENvMDc5c2JCUVpYb1lNaWt6S2h6c1g0bUFERlNtYU56MHJnVUh1MnJ0SVhhSW8xN0xHaUVxbFRPZHhtTjVQeUtOX3lha3hBcw?oc=5) · eextra.news
- 2025-10-20 [Texas deal would create $3.1B bank - Banking Dive](https://news.google.com/rss/articles/CBMie0FVX3lxTE8weWJRTHFaVEdJLXRYTjQzdlFtd2JuNFJSWkxFczdXbHNVajBEdXNuSlJDQnJFTUZFaTJ1a25nRXd2UXRidFI1dXBvZkt6X2xJV00yS2JYeDFLX25CUjNPQ0RoLVF3ZHJvVHJ2VS0tNUZMaTBmdVU1NFBnOA?oc=5) · Banking Dive
- 2026-03-02 [Cornerstone Capital Bank completes first acquisition since transformative deal - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNZjhwODczb3BFR0d4Umg2RnRvaXpTbVVTNDFxRjZQSTJpY0Y5bUktaGNrWlBrYm9xQVFZazhFWjUyUDJYZ1FoWWlvX3hxdkt5dWtHaUk3QTFMSTJWbEdmRVB6VkxJem1fR2JyWXh6SXFVMUl2Vy1uYVZ6Tk5HR3NZS2FnWFBMa3ZEcDJVdTk0T2lSVnFsaVFRU3RqTk5tYnZ1V2RDX2pYeEk5R0E?oc=5) · The Business Journals
- 2025-10-17 [Peoples Bank to be Acquired by Cornerstone Capital Bank - themortgagepoint.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxOTjUwQWpELUh0UmtXWExUTTM0Ym9JOWFWQUo5SDh5YWp1aXZVYlFhaWhNQ3RGZk1LdUxpak93VlpMbmRwaHhCRjc1ZFVYQlZNcWJ5NmYxSVQ3YktjdWpRY2N3X3N0X2d6QmxnVDB4WExMWm4tbVhvUldXSzRYZms4c1QyOW1LcEM5UnRJSEhCQ1Z3OHp0OTZoNV9ZVXE?oc=5) · themortgagepoint.com
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2025-10-17 [Cornerstone Capital to acquire Peoples Bancorp in Texas - HousingWire](https://news.google.com/rss/articles/CBMiigFBVV95cUxNU0Jmc3RoMmpyTURlYjN6Mm9kZjdibzlIUUxCRDdNTXJiTHhjUm5BLTRsbnRPMi0zcExESnVlTDE3bFNaWTljWVdvNVRSYTU4N0xPYnZWbkd6Ry00RWl6ZEMzLXZKMW9QYXJPTTl2aGpra2FBaTFZT0d0MXBtUlNqdHgydVJ6SHNaRVE?oc=5) · HousingWire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27398 (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/6.json (key "27398", 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