# PEOPLES BANK
NEWTON, NC · FDIC certificate 5956 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. 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 | $1.76B | |
| Deposits | $1.57B | |
| Loans and leases | $1.28B | |
| Total equity | $174.6M | |
| Loans / deposits | 80.99% (p36 of band) | 87.10% |
| Liquid assets / assets | 24.11% (p61 of band) | |
| Uninsured deposits / deposits | 21.45% (p21 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.50% (p70 of band) | 10.50% |
| Unrealized securities loss / equity | -21.83% (p17 of band) | -7.75% |
| AOCI / equity | -1.30% (p12 of band) | |
| ROA (annualized) | 1.18% (p44 of band) | 1.26% |
| Net interest margin | 3.86% (p60 of band) | 3.70% |
| Efficiency ratio | 68.93% (p77 of band) | |
| Noncurrent loans | 0.41% (p41 of band) | 0.51% |
| Net charge-offs (annualized) | 0.02% (p47 of band) | |
| Reserve coverage of noncurrent | 204.42% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 76.52% (p76 of band) | |
| Auto loans | $1.6M (0.13% of loans; DQ 0.74%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 3.5% | |
| Employees | 266 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | wholesale funding >15%, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 2 |  | construction >100% equity |
| 2011-12 | 1 |  | wholesale funding >15% |
| 2012-03 | 2 | uninsured deposits leaving |  |
| 2012-06 | 3 | deposits shrinking |  |
| 2012-09 | 4 | assets shrinking |  |
| 2012-12 | 4 |  |  |
| 2013-03 | 1 |  | uninsured deposits leaving, deposits shrinking, assets shrinking |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | reserve under noncurrent |
| 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 | 2 | capital falling, expense ratio p90 |  |
| 2017-03 | 0 |  | capital falling, expense ratio p90 |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 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 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 2 | expense ratio p90 |  |
| 2021-03 | 0 |  | capital falling, expense ratio p90 |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 3 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  | capital falling |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2023-09 | 4 | construction >100% equity |  |
| 2023-12 | 2 |  | deposits shrinking, uninsured deposits leaving |
| 2024-03 | 2 | capital falling | construction >100% equity |
| 2024-06 | 1 |  | capital falling |
| 2024-09 | 0 |  | securities losses >30% of equity |
| 2024-12 | 1 | securities losses >30% of equity |  |
| 2025-03 | 0 |  | securities losses >30% of equity |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-08-11 [Peoples Bancorp of North Carolina, Inc. Rings the Closing Bell - Nasdaq](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOVjlNZnlFWkFnRVdpcmhRUHNIRnVNcXh1M21EaTZzUW1JTXVjYnVVM3R0SXp1X3FLay1HRGxqZHQxZnpNMS1xcTczc3hhVURmbGtBSks2V1hWcndkNElEQXc2X2Fpc3lBOTdwNzZTVEhxWUp1RGpJQTRQLVh4VXA5RlBIU0ozRmxOcWtn?oc=5) · Nasdaq
- 2026-07-20 [Peoples Bancorp Announces Second Quarter 2026 Results - Yahoo Finance](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPdlpIYV9xcUcxbTMyWkFQb2htd2VDd1podXQ5NmwzNGx6YkdiTGthOXNhWFJPZWtUa2NMT1pHblozTzVTdEhmQlpRY1hBa0ljTnpzN09aZmVGenJHdnhxN3JtSXQ5U010TmYta0g4Y2tuTThDOHRNTWE1V1F2UEtYSU9HSHRSNkZYT1FuNUh5U21MbjRrdkdQS3BrS2hKMFBiRGdfYnV5RHM?oc=5) · Yahoo Finance
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-07-27 [Don't Ignore The Insider Selling In Peoples Bancorp of North Carolina - simplywall.st](https://news.google.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?oc=5) · simplywall.st
- 2024-08-01 [Peoples Bank of Newton names Cable as next CEO - Business North Carolina](https://news.google.com/rss/articles/CBMiekFVX3lxTE5TaFBubGtsNFdFdkxidFpIR0loVENHVmNaLXZXOEtUWEYwOVpXNlkwQkFuM3NYX1o4TkJjdUdBUVRiVzVmNjhHcUJBQ1FMQlFKU2l6RnQzQ1JsM2FZN0V4UXozS2xQRkxCTFgzZnNfVWdjZzc1aUJ5bnVB?oc=5) · Business North Carolina
- 2026-06-10 [Nichole Dailey appointed vice president and business development officer at Peoples Bank - Hickory Daily Record](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPc01yQjZKQ1lPMFh0SzFLQ3FuNHlCclZEMGJZczVwYlZySWtaaGNEcnRjbHUxdkh4OGdwWWZqWjZNdlNzTExYZGtMendMY0pYd1pWY2RuMk8ycDhBZ0tfd3FaaGd4V2UtSEdua2Z1eDRLYmEzNVNfdV85MUc2WVI5UUJaOVVCOUp3YW9jYU43UjRTNFRqOTkyNzY3MW0yRTh1VUFwSEQ0SUtjdw?oc=5) · Hickory Daily Record
- 2025-04-08 [Best Banks and Credit Unions in North Carolina 2024 - Newsweek Rankings](https://news.google.com/rss/articles/CBMilwFBVV95cUxQSlVIMnB2VklHZjVOMlVER3ZWbE1SUThoZVl3MGR0bjJqV3BUYzZWbEllbEdlc0Fzams0Z2RKajl2dEZYQzRHTEVHVG1SUjNrQnM4RWsxazNWWGRQVW51M3Q3SHB6SHNqNmRpZHlPNjhidlRMWjE1MmI1X3MzRy1vdDV4dnk5OExxeFZDaDJrSjA3bU9fb2NB?oc=5) · Newsweek Rankings
- 2013-02-09 [Rocky Mount Exhibit Honors Banking History - WUNC News](https://news.google.com/rss/articles/CBMilgFBVV95cUxNdm9LQ0xTbnZ2azE3MUJGa1lpVWRVWGFXSk1JVUNnQlRFT0M5SmRmbWQ2eFUtcmpKWlByMUVfT1lsbnRiWXk3NzdJQlhvdVR2bUZFN0poMWZDNU8xLVJ0VFF6STBaNlpUbmRUc0JWbVdTbjlhakt5RU40eG1aeGhTOHVTVEZlTjJLX0pmc0F0S01HVmpWTGc?oc=5) · WUNC News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5956 (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/4.json (key "5956", 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