# PEOPLES SOUTHERN BANK
CLANTON, AL · FDIC certificate 850 · asset band <$300M · latest filing 2018-09 · 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 | $186.3M | |
| Deposits | $164.0M | |
| Loans and leases | $56.4M | |
| Total equity | $21.4M | |
| Loans / deposits | 33.77% (p5 of band) | 78.40% |
| Liquid assets / assets | 68.57% (p95 of band) | |
| Uninsured deposits / deposits | 30.73% (p91 of band) | 15.34% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.21% (p62 of band) | 11.34% |
| Unrealized securities loss / equity | -8.69% (p17 of band) | -3.15% |
| AOCI / equity | -6.05% (p13 of band) | |
| ROA (annualized) | 1.24% (p65 of band) | 1.02% |
| Net interest margin | 2.85% (p9 of band) | 3.82% |
| Efficiency ratio | 63.03% (p33 of band) | |
| Noncurrent loans | 0.20% (p31 of band) | 0.57% |
| Net charge-offs (annualized) | 0.04% (p67 of band) | |
| Reserve coverage of noncurrent | 909.91% | |
| Real estate % of loans | 73% | |
| Construction % of loans | 30.14% (p64 of band) | |
| Auto loans | $1.6M (2.84% of loans; DQ 0.63%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.3% | |
| Employees | 43 | |

## Flags firing in the latest filing

- none

## 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 | 1 | reserve under noncurrent |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | reserve under noncurrent |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | capital falling |  |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | capital falling |

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

- 2018-11-02 [River Bank & Trust expands with merger - Montgomery Advertiser](https://news.google.com/rss/articles/CBMisgFBVV95cUxPYjBCXzJ0Wk8zWlJhWXViUmxGeHoweXZGLUJENjY0eVIwbE5KQk5QbDRKZG5SUUhpZ0ZlaWhnMndYY1doYWJrNFUzN1dnTWF4VGxGaFVWdzVhSW9GRGFHQWVCMHVyRWFLcUxrRmVtUjlNMFk3dTVrRzRuaUlqVXVJMnVyaERCZzU4VWd6aFpaaHBlZUtBY1NfanVlVTQ0ZTdnSG5DM2NscjR2UUVmLUFUYUVR?oc=5) · Montgomery Advertiser
- 2018-07-12 [Two Alabama banks to join forces - The Business Journals](https://news.google.com/rss/articles/CBMilwFBVV95cUxPY2FldU4yMTk3bXhjQUs5Rk9rTEZnOWV5VnRQbnFXWWdtYTJFbjFVSUhlcXd1ODNMamw1aHNlUDc0blJxcmJ6UGtTNnpLa1VfcjV6U1RDM052S2FPSUtwU2stVHZsVko1M3FGUVpacjJkZzBwMkd3MUxndGFCNkZHTTdKZjBzWjlpVzh3Sm56M3RrOXdvX2lV?oc=5) · The Business Journals
- 2025-09-28 [Alabama-based bank boosting growth with four new locations - The Business Journals](https://news.google.com/rss/articles/CBMilwFBVV95cUxNdUxwS2FmWEhsc1V3ekxHcEhSdnRPXzhNaVk2U3RFdmtjS2lLbnJuN3BONFM4Yi0xVm04TWhuM0ZhcENFTDNmdndTUlBkNFV5TWJXVjFuU1VNY2hqSmwxZVpORkU5aGlaTnZFUDhHRS1aNkxLczRXYUx1dTA1cWF2aFJGMklHbzBtMlJpMUNmbWtGZ1A2VGU0?oc=5) · The Business Journals
- 2016-06-15 [Chilton County Peach Queens - WBRC](https://news.google.com/rss/articles/CBMickFVX3lxTFA0cnhtNndUajZlWVlfR3FVd0dIN2hYWW1jVEpLZ3VfS2dnb25WLU5idUlJRldmaFhkRmxkQTM5d3d0OEprZWpIMHhEUHIyRnluVDN6bE9jM2h2dmxPRGsxd29DdTA3d3RyUUttWDAwS3RHQdIBhAFBVV95cUxQTG1SbFVUdFdMNUFLcVRROF85bXpoV2VHMmN1TDVEOFplT3BUZnJrbXdFWjNyb0lpR1ZSMEhxTTlaX1hXckYxTHA1c2VyajhGMl9DdkVPdmktODgzeng5X2JXMlhXcXdGUzJfMGtZZnB2eTlXaGNpdHh0NFNMWGNBNEhSM3k?oc=5) · WBRC
- 2023-04-02 [Peggy Ann Bryan Obituary (2023) - Clanton, AL - Martin Funeral Home, Inc. - Clanton - Legacy obituary](https://news.google.com/rss/articles/CBMif0FVX3lxTE5pdlRzWHRuNlpfaXUtQ3k2M1Z5X0tuN1JPYUxiTUNyRG5JWlJPZmp3Tnk3eVBLd0g1LVNwV3NLNGRxTnFCUzJkT0Z6VkNZMW94azVmTzMtNnhSSTVUeVlEM3RUNXhITzFlcUtJdFFTUEMwcXQ5WnB4aFNhRlNudTQ?oc=5) · Legacy obituary
- 2020-12-13 [Chilton County peach crop hit hard. Auction raises $25K for Lions Club - Bham Now](https://news.google.com/rss/articles/CBMimAFBVV95cUxNQ0pCY2ZmUHVBMTdVUldBT0xyQWExcHg1cXNPVlBCRFVjQ0VLMXp4NnFuVGRxZVh6TjVreVItSzhqWlgtTm9LX0F0T3BlMVlZa21FUlVFOFgxZmo3aDhETnFLV2huemhBdDloV1VURkVaZXhrLWtoRm1BdU5vUUJkVUZIeTV1N0J6bGtFRUFTSmVWZEx6VDdWYg?oc=5) · Bham Now
- 2015-06-01 [Relay organizers announce total amount raised for cancer res... - The Clanton Advertiser](https://news.google.com/rss/articles/CBMisAFBVV95cUxOZFgyNlk1cTJscDdvS2ZOR2lSd1hhWnpxSDR0cHlSQVkwXzZ0c29yUDFzbHVBTE83R1htQnJNZXk5TGdURHZKaERUMUstb3ZpRXNkR216a3A5WXFmUHhfUGJDMngtaWtIS3lRemZNY2FsT01LMlUtc2dmUllvekgzXzdpc3gzQmE2dEltR29sZENhV0E1ektkdXM1dF92ZGdSLXpRLUtvS0otaHM5OHlkMw?oc=5) · The Clanton Advertiser
- 2023-12-22 [Sandra Riggins Minor Obituary (2023) - Clanton, AL - Martin Funeral Home, Inc. - Clanton - Legacy obituary](https://news.google.com/rss/articles/CBMigAFBVV95cUxPU2JsZHNlcWV0dGU0bGtrSnczeDc2TDVkdW5BenBYN1VaUF84NnBZZkxSSFVBZmZoWDlOT1M2OUZNb0JwSmd6MDB0RTUtTTVEMzdPTVdKUzJHQ1FYRFpkbUtZalRBS3BIamFMQWNDcUNOLWNMVzBncjBmdFlHSHlzbQ?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=850 (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/18.json (key "850", 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