# PEOPLES BANK
SHERIDAN, AR · FDIC certificate 57058 · asset band $300M-1B · latest filing 2026-06 · live

**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 | $313.8M | |
| Deposits | $272.1M | |
| Loans and leases | $168.3M | |
| Total equity | $39.1M | |
| Loans / deposits | 60.74% (p13 of band) | 82.04% |
| Liquid assets / assets | 43.85% (p87 of band) | |
| Uninsured deposits / deposits | 33.90% (p76 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.33% (p81 of band) | 10.81% |
| Unrealized securities loss / equity | -6.59% (p55 of band) | -8.10% |
| AOCI / equity | -1.37% (p15 of band) | |
| ROA (annualized) | 1.82% (p81 of band) | 1.28% |
| Net interest margin | 4.30% (p73 of band) | 3.91% |
| Efficiency ratio | 42.11% (p7 of band) | |
| Noncurrent loans | 0.03% (p15 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p19 of band) | |
| Reserve coverage of noncurrent | 5715.09% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 61.69% (p66 of band) | |
| Auto loans | $4.4M (2.61% of loans; DQ 0.41%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 13.8% | |
| Employees | 36 | |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | deposits shrinking |  |
| 2012-12 | 1 | uninsured deposits leaving | deposits shrinking |
| 2013-03 | 0 |  | uninsured deposits leaving |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | uninsured deposits leaving |  |
| 2013-12 | 0 |  | uninsured deposits leaving |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 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 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | AOCI drag >20% of equity |  |
| 2022-09 | 2 | securities losses >30% of equity |  |
| 2022-12 | 1 |  | securities losses >30% of equity |
| 2023-03 | 0 |  | AOCI drag >20% of equity |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 1 | capital falling |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 0 |  | capital falling |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | capital falling |  |
| 2026-06 | 1 |  |  |

## 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=57058 (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/34.json (key "57058", 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