Peoples Bank
Clifton, TN
IDRSSD: 148238
Total Assets
$410.72M
Latest filing
Total Deposits
$357.07M
Latest filing
Net Interest Margin
5.10%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
064103464CLIFTON, TN
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Peoples Bank
129 Main St
Clifton, TN 38425
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1890FDIC Certificate 6095
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Peoples Bank (Main) | 129 Main St | Clifton, TN |
| WAYNESBORO BRANCH | 210 Dexter Woods Boulevard | Waynesboro, TN |
| HOHENWALD BRANCH | 526 E Main St | Hohenwald, TN |
| PEOPLES BANK BRANCH | 703 Highway 13 S | Collinwood, TN |
| PEOPLES BANK - SUMMERTOWN BRANCH | 4963 Highway 43 | Mount Pleasant, TN |
Showing 4 of 4
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 01/01/1890 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 38425 |
| State and County Number | 47181 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 66 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 01/03/2023 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | pbbanking.com |
| Data Updated | 01/30/2026 |
| CERT | 9489 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $410.72M |
| Total Deposits | $357.07M |
| Total Liabilities | $359.25M |
| Total Equity Capital | $51.47M |
| Net Income | $1.33M |
| Net Loans and Leases | $302.80M |
| Assets Per Employee ($Millions) | $6.22M |
| Bank Premises and Fixed Assets | $9.40M |
| Cash and Balances due from Depository Institutions | $35.98M |
| Deposits Held in Domestic Offices | $357.07M |
Key Performance Ratios
| Return on Assets (ROA) | 1.31% |
| Return on Equity (ROE) | 10.37% |
| Net Interest Margin | 5.1% |
| Efficiency Ratio | 66.12% |
| Tier 1 Risk-Based Capital Ratio | 15.869% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.531% |
| Earning Assets to total Assets | 92.04% |
Income and Expense
| Total Interest Income | $7.38M |
| Total Noninterest Income | $29.00k |
| Total Interest Expense | $2.59M |
| Total Noninterest Expense | $3.18M |
| Net Interest Income | $4.78M |
| Pre-tax Net Operating Income | $1.63M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $2.50M |
| Other borrowed funds | $35.00k |
| Federal Funds Sold & Reverse Repurchase Agreement | $20.01M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.14M |
| Total Liabilities and Capital | $410.72M |
Securities
| Securities | $24.48M |
| Available-for-sale debt securities | $24.48M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Peoples Bank?
$410.72M as of the latest filing.
How much are Peoples Bank's total deposits?
$357.07M in total deposits.
Where is Peoples Bank located?
Clifton, TN.
What is the Net Interest Margin?
5.10%.
How many domestic offices does it operate?
5.
When was it established?
01/01/1890.
What is the Return on Assets (ROA)?
1.31%.
How much are total loans and leases?
$302.80M (latest filing).
What is the total interest income (latest filing)?
$7.38M.