# PEOPLES BANK
TULSA, OK · FDIC certificate 9882 · asset band <$300M · latest filing 2020-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $106.6M | |
| Deposits | $87.9M | |
| Loans and leases | $79.2M | |
| Total equity | $18.5M | |
| Loans / deposits | 88.63% (p79 of band) | 73.75% |
| Liquid assets / assets | 14.05% (p7 of band) | |
| Uninsured deposits / deposits | 28.56% (p85 of band) | 17.11% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p20 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.04% (p63 of band) | 10.95% |
| Unrealized securities loss / equity | 0.00% (p9 of band) | 2.60% |
| AOCI / equity | 0.00% (p11 of band) | |
| ROA (annualized) | 0.99% (p51 of band) | 0.97% |
| Net interest margin | 6.27% (p99 of band) | 3.63% |
| Efficiency ratio | 55.51% (p16 of band) | |
| Noncurrent loans | 0.23% (p36 of band) | 0.52% |
| Net charge-offs (annualized) | 0.17% (p90 of band) | |
| Reserve coverage of noncurrent | 692.47% | |
| Real estate % of loans | 58% | |
| Construction % of loans | 15.77% (p53 of band) | |
| Auto loans | $5.4M (6.81% of loans; DQ 5.19%, NCO 0.16%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -0.0% | |
| Employees | 23 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | reserve under noncurrent |
| 2013-09 | 2 | deposits shrinking, assets shrinking |  |
| 2013-12 | 0 |  | deposits shrinking, assets shrinking |
| 2014-03 | 1 | reserve under noncurrent |  |
| 2014-06 | 2 | capital falling |  |
| 2014-09 | 1 |  | capital falling |
| 2014-12 | 1 |  |  |
| 2015-03 | 4 | charge-offs p90, deposits shrinking, assets shrinking |  |
| 2015-06 | 4 |  |  |
| 2015-09 | 2 |  | deposits shrinking, assets shrinking |
| 2015-12 | 3 | deposits shrinking, uninsured deposits leaving | reserve under noncurrent |
| 2016-03 | 4 | loans exceed deposits, liquid assets <10% | uninsured deposits leaving |
| 2016-06 | 6 | wholesale funding >15%, capital falling, uninsured deposits leaving | liquid assets <10% |
| 2016-09 | 4 |  | charge-offs p90, deposits shrinking |
| 2016-12 | 2 |  | capital falling, uninsured deposits leaving |
| 2017-03 | 1 | charge-offs p90 | loans exceed deposits, wholesale funding >15% |
| 2017-06 | 1 | capital falling | charge-offs p90 |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 2 | brokered >10%, wholesale funding >15% |  |
| 2018-12 | 4 | liquid assets <10%, NIM <2.5%, reserve under noncurrent, deposits shrinking | brokered >10%, wholesale funding >15% |
| 2019-03 | 2 |  | NIM <2.5%, reserve under noncurrent |
| 2019-06 | 3 | assets shrinking |  |
| 2019-09 | 4 | uninsured deposits leaving |  |
| 2019-12 | 6 | loans exceed deposits, charge-offs p90 |  |
| 2020-03 | 4 |  | loans exceed deposits, charge-offs p90 |
| 2020-06 | 0 |  | liquid assets <10%, deposits shrinking, assets shrinking, uninsured deposits leaving |

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

- 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
- 2026-08-20 [Peoples Bank CD Rates - SmartAsset](https://news.google.com/rss/articles/CBMibkFVX3lxTE1yVHRDT2pzWDZwMlR1Rjlpckc4TEhXdnNfTDZWSE1oRVRMWktsYk10cUhIbXFvNFJVZFk4dk55T1FGb2x1UWFPQ2UtVzZUOE9TRUZsUmJ3Tm5lR2R2YUp0MVVWTDdpdG9rZHF6MU9R?oc=5) · SmartAsset
- 2026-08-28 [Peoples Bank & Trust Reaffirms Four Decades of Local Banking - EIN News](https://news.google.com/rss/articles/CBMiogFBVV95cUxPc1FxRGl4WXhwT3lmdVBUR184S0F6ckl5eVN0NkJKUWNuZkNEV2tQYm9GVHlJVk03Nkd2VGxGWXJjXzBpdHQ5MU1rRXBZcUdFek9PaUZMS2dRczRiT2RrWlhoS290Rl9GTnNJbWFZNi0zSGJIZVE3bVVtOHVwSG5oYXRjU3l4TmRJVzg0V2JZYmxvN2RBT3JtYVRkZDhhWko3X0E?oc=5) · EIN News
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2025-11-11 [People's Security Bank and Trust Co. opens first branch in Lancaster County - LancasterOnline](https://news.google.com/rss/articles/CBMihgJBVV95cUxONVVZV1l2LS1uWUh6bWhkcHM4aHZEQjdhYzJJVXhZR1dpVDdHZ2xDS21mV3pHQjVxN19yZ3hUd1hFaUMtcEpZLTA1Ukl0d1lWaU9KSHExYXZ5cDBLeVY4TnZuU1BuWHVfclVQU1RDM3N1eTRhTmQ2UDd0YnUxUWxtdXQ2T2FLdGJXYmJmaENTMFRTQ1hKTGEyRWhOTkJJVENINWR1VlhoZTMySmpmZVJKUUZxS1VrRW1LbWZxZnlwWkstTDlCZ05CTHlIUElSd2RmcVFTUEE3VU5LcFdWWmhZa244dWtYUlIwVndrbS1kTkRINVVmbUJ3aGMzanhhVjI3QnFSX25B?oc=5) · LancasterOnline
- 2026-03-21 [Legal, Financial Troubles Continue to Hit Arrow CEO - Heavy Duty Trucking](https://news.google.com/rss/articles/CBMijAFBVV95cUxPbW45bGNlWDh6UFFaNGsya2cwQ015WVBsZ2p1cVJROEF6VUtCa1FUSXFrRWp6UEtILXZNdHQ0bmpNRGc1T1dBVVVTaFRGaWx2MS1rQVBjdGRERGxwTmUzbmN2WmxJMzYxaUVWOUZEejVsSHYwbkVjVHY2dGxBX0h3bk9kalFEbGkwbzRRNw?oc=5) · Heavy Duty Trucking
- 2025-09-18 [Wichita finance sector reshaped: Mergers, expansions, and new players shake up local banks and credit unions - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQZWw2bWZWMElsZ19nVnFGUFQ2eWVNckNEaEJaRnhyRjFvS1J4VDdrOTVEcUkzTE5keDg2WkhBZFZoQXI2MElHUjIzR1NobW9MOWdnb2lMMzY5RlVyRWp4ZkEyYXRDV0QwN1d5VjN3MFBuVjFhQUxfUXpLVzExLTVMd2tnajNxUGFzUGVqUW5rc3hTTE9DMjc4V0VnamRLek1pYXg4NjZmeEtldw?oc=5) · The Business Journals
- 2022-07-12 [Peoples State Bank headquarters on north side of Bloomington gets OK from plan commission - The B Square Bulletin](https://news.google.com/rss/articles/CBMiugFBVV95cUxPNktjeFpOZHRTWHNSYXVYOUFmLXhXRzN0ek1PR1ZuRUhQamFFQUN0Y2RORE8tQkZQaG82QThIWmJCTXNITzZ6TlNUVENrUjQ4bjJjWWZRUk9uSHhQSHpSdTZiTEIwb0kwTHBCdXhhZUhhQ2x4bkZ4bFRZdlE5d25LTG1kcXdYdXU4cmhRNVdJWDdCeWRrN1JoaEEyZ2lpdXVfVVNFRDdNallfM3RxTVI2bk5fUlZaV2p1aGc?oc=5) · The B Square Bulletin

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9882 (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/26.json (key "9882", 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