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The Peoples Bank

Chestertown, MD
IDRSSD: 750127
Total Assets
$293.24M
Latest filing
Total Deposits
$252.02M
Latest filing
Net Interest Margin
4.27%
Profitability
0

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 ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date10/01/1910
Community BankYes
Ownership TypeNot Mutual
ZIP21620
State and County Number24029
Subchapter S CorporationsNo
Trust PowersN/A
Federal Reserve ID Number05
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictNew York
Core Based Statistical Area NameN/A

Operational Info

Number of Employees78
Domestic Offices7
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance01/01/1934
Primary Insurance AgencyDIF
Websitewww.pbkc.com
Data Updated11/14/2025
CERT12885
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$293.24M
Total Deposits$252.02M
Total Liabilities$253.61M
Total Equity Capital$39.63M
Net Income$825.00k
Net Loans and Leases$176.31M
Assets Per Employee ($Millions)$3.71M
Bank Premises and Fixed Assets$6.26M
Cash and Balances due from Depository Institutions$40.50M
Deposits Held in Domestic Offices$252.02M

Key Performance Ratios

Return on Assets (ROA)1.12%
Return on Equity (ROE)8.43%
Net Interest Margin4.27%
Efficiency Ratio75.88%
Tier 1 Risk-Based Capital Ratio24.816%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets-0.07%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets13.515%
Earning Assets to total Assets93.29%

Income and Expense

Total Interest Income$3.19M
Total Noninterest Income$1.54M
Total Interest Expense$258.00k
Total Noninterest Expense$3.45M
Net Interest Income$2.93M
Pre-tax Net Operating Income$1.07M
Provision for Credit Losses$-50,000
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$0
Other borrowed funds$0
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$698.00k
All Other Liabilities$893.00k
Total Liabilities and Capital$293.24M

Securities

Securities$65.08M
Available-for-sale debt securities$50.08M
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$15.00M
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of The Peoples Bank?
$293.24M as of the latest filing.
How much are The Peoples Bank's total deposits?
$252.02M in total deposits.
Where is The Peoples Bank located?
Chestertown, MD.
What is the Net Interest Margin?
4.27%.
How many domestic offices does it operate?
7.
When was it established?
10/01/1910.
What is the Return on Assets (ROA)?
1.12%.
How much are total loans and leases?
$176.31M (latest filing).
What is the total interest income (latest filing)?
$3.19M.