The Peoples Bank
Sardis, TN
IDRSSD: 591357
Total Assets
$110.61M
Latest filing
Total Deposits
$98.75M
Latest filing
Net Interest Margin
4.07%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
The Peoples Bank
34910 Highway 104 S
Sardis, TN 38371
Full Service - Brick and Mortar
Updated 11/14/2025Established 12/20/1920FDIC Certificate 4131
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The Peoples Bank (Main) | 34910 Highway 104 S | Sardis, TN |
| HENDERSON BRANCH | 573 E Main St | Henderson, TN |
| REAGAN BRANCH | Highway 100 And Highway 104 | Reagan, TN |
| LEXINGTON BRANCH | 386 W Church St | Lexington, TN |
| MAURY CITY BRANCH | 6306 Highway 88 | Maury City, 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 non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 12/20/1920 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 38371 |
| State and County Number | 47071 |
| Subchapter S Corporations | No |
| Trust Powers | Limited Trust Powers Granted |
| Federal Reserve ID Number | 08 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 28 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.thepeoplesbankoftn.com |
| Data Updated | 11/14/2025 |
| CERT | 6110 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $110.61M |
| Total Deposits | $98.75M |
| Total Liabilities | $99.98M |
| Total Equity Capital | $10.63M |
| Net Income | $133.00k |
| Net Loans and Leases | $70.98M |
| Assets Per Employee ($Millions) | $3.81M |
| Bank Premises and Fixed Assets | $1.62M |
| Cash and Balances due from Depository Institutions | $2.74M |
| Deposits Held in Domestic Offices | $98.75M |
Key Performance Ratios
| Return on Assets (ROA) | 0.48% |
| Return on Equity (ROE) | 5.09% |
| Net Interest Margin | 4.07% |
| Efficiency Ratio | 81.07% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.1% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.606% |
| Earning Assets to total Assets | 94.55% |
Income and Expense
| Total Interest Income | $1.55M |
| Total Noninterest Income | $116.00k |
| Total Interest Expense | $493.00k |
| Total Noninterest Expense | $957.00k |
| Net Interest Income | $1.06M |
| Pre-tax Net Operating Income | $189.00k |
| Provision for Credit Losses | $27.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $689.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $9.10M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.23M |
| Total Liabilities and Capital | $110.61M |
Securities
| Securities | $23.91M |
| Available-for-sale debt securities | $23.91M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Peoples Bank?
$110.61M as of the latest filing.
How much are The Peoples Bank's total deposits?
$98.75M in total deposits.
Where is The Peoples Bank located?
Sardis, TN.
What is the Net Interest Margin?
4.07%.
How many domestic offices does it operate?
5.
When was it established?
12/20/1920.
What is the Return on Assets (ROA)?
0.48%.
How much are total loans and leases?
$70.98M (latest filing).
What is the total interest income (latest filing)?
$1.55M.