Peoples Bank (FDIC certificate #27398) is based in Paris, Texas. Its Q2 2026 call report shows $185.4M in total assets and $168.4M in deposits and 2 offices.
Peoples Bank has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 64% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 152nd. Problem-loan coverage contributes the most (96/100, 2.2%); capital cushion contributes the least (46/100, 9.56%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 2 points (74 → 76), mostly because the earnings component improved by 8 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 71 |
| Q3 2024 | 73 |
| Q4 2024 | 73 |
| Q1 2025 | 75 |
| Q2 2025 | 74 |
| Q3 2025 | 75 |
| Q4 2025 | 74 |
| Q1 2026 | 78 |
| Q2 2026 | 76 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.75% |
| Q3 2024 | 9.87% |
| Q4 2024 | 9.78% |
| Q1 2025 | 9.91% |
| Q2 2025 | 9.87% |
| Q3 2025 | 9.99% |
| Q4 2025 | 9.72% |
| Q1 2026 | 9.80% |
| Q2 2026 | 9.56% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.23% |
| Q3 2024 | 0.24% |
| Q4 2024 | 0.23% |
| Q1 2025 | 0.22% |
| Q2 2025 | 0.33% |
| Q3 2025 | 0.26% |
| Q4 2025 | 0.29% |
| Q1 2026 | 0.09% |
| Q2 2026 | 0.25% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.18% |
| Q3 2024 | 1.24% |
| Q4 2024 | 1.31% |
| Q1 2025 | 1.51% |
| Q2 2025 | 1.63% |
| Q3 2025 | 1.67% |
| Q4 2025 | 1.73% |
| Q1 2026 | 1.79% |
| Q2 2026 | 1.83% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 76 | $185.4M | 9.56% | 0.25% | 1.83% | 87.2% |
| Q1 2026 | 78 | $184.7M | 9.80% | 0.09% | 1.79% | 83.9% |
| Q4 2025 | 74 | $177.3M | 9.72% | 0.29% | 1.73% | 89.7% |
| Q3 2025 | 75 | $174.1M | 9.99% | 0.26% | 1.67% | 87.6% |
| Q2 2025 | 74 | $172.1M | 9.87% | 0.33% | 1.63% | 91.9% |
| Q1 2025 | 75 | $171.9M | 9.91% | 0.22% | 1.51% | 84.4% |
| Q4 2024 | 73 | $167.3M | 9.78% | 0.23% | 1.31% | 84.0% |
| Q3 2024 | 73 | $164.6M | 9.87% | 0.24% | 1.24% | 85.0% |
| Q2 2024 | 71 | $168.3M | 9.75% | 0.23% | 1.18% | 92.4% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First State Bank of Ben Wheeler, TexasBank Ben Wheeler, TX | 95 out of 100, Very strong | $185.1M | 15.7% | 0.07% | vs |
| First State BankBank Spearman, TX | 53 out of 100, Below average | $184.0M | 12.6% | 4.44% | vs |
| First Security State BankBank Cranfills Gap, TX | 73 out of 100, Strong | $183.1M | 7.6% | 0.02% | vs |
| First National Bank of Bosque CountyBank Valley Mills, TX | 82 out of 100, Strong | $182.3M | 12.8% | 0.72% | vs |
| Peoples State BankBank Shepherd, TX | 68 out of 100, Moderate | $181.2M | 10.7% | 1.25% | vs |
| Greater State BankBank Mcallen, TX | 75 out of 100, Strong | $180.2M | 11.1% | 0.05% | vs |
Deposit insurance
Is my money safe at Peoples Bank?
Yes. Peoples Bank is an FDIC-insured institution (FDIC certificate #27398). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 13.6% of deposits ($22.9M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.56%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
2 locations
Branches
Peoples Bank lists 2 offices in 1 city. Most locations:
- Paris, TX (2)
Identity & history
Profile
- Legal name
- Peoples Bank
- Former names
- Peoples National Bank-Paris; Peoples National Bank
- Type
- State-chartered bank
- FDIC certificate #
- 27398
- RSSD ID
- 1293078
- Primary regulator
- FDIC
- Holding company
- Texas Peoples Natl Bancshares
- Established
- December 15, 1988
- Headquarters
- 35 South Plz, Paris, TX 75460
- Website
- www.pbparis.com
- Employees
- 33
Quick answers
Peoples Bank: common questions
Is Peoples Bank FDIC insured?
Yes. Peoples Bank is an FDIC-insured institution (FDIC certificate #27398). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Peoples Bank's TellerScore?
76 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Peoples Bank ever failed?
There is no failure record for FDIC certificate #27398 in the FDIC failed bank list.
How many branches does Peoples Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Paris
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Employees United Federal Credit UnionCredit union Paris, TX | 92 out of 100, Very strong | $12.4M | 32.7% | 0.08% | vs |
| Northeast Texas Teachers Federal Credit UnionCredit union Paris, TX | 83 out of 100, Strong | $33.1M | 14.4% | 0.43% | vs |
| Legend Bank, N.A.Bank Bowie, TX | 82 out of 100, Strong | $1.3B | 10.4% | 0.12% | vs |
| Commercial Bank of Texas, National AssociationBank Nacogdoches, TX | 77 out of 100, Strong | $1.7B | 10.6% | 0.14% | vs |
| The Liberty National Bank in ParisBank Paris, TX | 75 out of 100, Strong | $452.1M | 12.8% | 0.88% | vs |
| First Federal Community Bank, SSBBank Paris, TX | 74 out of 100, Strong | $603.6M | 13.1% | 0.75% | vs |