Headquartered in Newton, North Carolina, Peoples Bank is a state-chartered bank with $1.8B in total assets and $1.6B in deposits as of Q2 2026. It operates 16 offices. Its charter dates back to 1912.
Peoples Bank has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 77% of its 897 banks with $1 billion – $10 billion. Among 38 banks headquartered in North Carolina, it ranks 15th. Problem-loan coverage contributes the most (94/100, 2.8%); capital cushion contributes the least (65/100, 11.50%).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (74 → 75).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 72 |
| Q3 2024 | 72 |
| Q4 2024 | 72 |
| Q1 2025 | 73 |
| Q2 2025 | 74 |
| Q3 2025 | 73 |
| Q4 2025 | 75 |
| Q1 2026 | 74 |
| Q2 2026 | 75 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.43% |
| Q3 2024 | 10.61% |
| Q4 2024 | 10.71% |
| Q1 2025 | 10.90% |
| Q2 2025 | 10.95% |
| Q3 2025 | 10.88% |
| Q4 2025 | 11.13% |
| Q1 2026 | 11.39% |
| Q2 2026 | 11.50% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.37% |
| Q3 2024 | 0.35% |
| Q4 2024 | 0.39% |
| Q1 2025 | 0.43% |
| Q2 2025 | 0.42% |
| Q3 2025 | 0.43% |
| Q4 2025 | 0.35% |
| Q1 2026 | 0.39% |
| Q2 2026 | 0.41% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.16% |
| Q3 2024 | 1.12% |
| Q4 2024 | 1.07% |
| Q1 2025 | 1.12% |
| Q2 2025 | 1.21% |
| Q3 2025 | 1.12% |
| Q4 2025 | 1.24% |
| Q1 2026 | 1.09% |
| Q2 2026 | 1.18% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 75 | $1.8B | 11.50% | 0.41% | 1.18% | 81.0% |
| Q1 2026 | 74 | $1.7B | 11.39% | 0.39% | 1.09% | 80.1% |
| Q4 2025 | 75 | $1.7B | 11.13% | 0.35% | 1.24% | 79.1% |
| Q3 2025 | 73 | $1.7B | 10.88% | 0.43% | 1.12% | 75.6% |
| Q2 2025 | 74 | $1.7B | 10.95% | 0.42% | 1.21% | 75.9% |
| Q1 2025 | 73 | $1.7B | 10.90% | 0.43% | 1.12% | 75.2% |
| Q4 2024 | 72 | $1.7B | 10.71% | 0.39% | 1.07% | 76.0% |
| Q3 2024 | 72 | $1.7B | 10.61% | 0.35% | 1.12% | 75.2% |
| Q2 2024 | 72 | $1.7B | 10.43% | 0.37% | 1.16% | 74.6% |
897 peers · $1 billion – $10 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 North Carolina
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Providence BankBank Rocky Mount, NC | 82 out of 100, Strong | $1.5B | 12.2% | 0.12% | vs |
| North State BankBank Raleigh, NC | 61 out of 100, Moderate | $1.5B | 8.5% | 0.17% | vs |
| Piedmont Federal Savings BankBank Winston Salem, NC | 78 out of 100, Strong | $1.3B | 18.6% | 0.16% | vs |
| Uwharrie BankBank Albemarle, NC | 74 out of 100, Strong | $1.2B | 10.1% | 0.11% | vs |
| First Carolina BankBank Rocky Mount, NC | 66 out of 100, Moderate | $3.4B | 11.4% | 0.81% | vs |
| HomeTrust BankBank Asheville, NC | 68 out of 100, Moderate | $4.4B | 12.9% | 1.40% | vs |
Deposit insurance
Is my money safe at Peoples Bank?
Yes. Peoples Bank is an FDIC-insured institution (FDIC certificate #5956). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 21.5% of deposits ($336.5M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.50%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.42% (benchmark: 10%).
16 locations
Branches
Peoples Bank lists 16 offices in 12 cities. Most locations:
- Hickory, NC (3)
- Denver, NC (2)
- Newton, NC (2)
- Catawba, NC (1)
- Charlotte, NC (1)
- Claremont, NC (1)
- Conover, NC (1)
- Hiddenite, NC (1)
- Huntersville, NC (1)
- Lincolnton, NC (1)
- Maiden, NC (1)
- Mooresville, NC (1)
HMDA 2025
Mortgage lending
In 2025, Peoples Bank reported 928 home-loan applications under HMDA (LEI 5493006HXEF6V2NZED40): 567 originated ($136,435,000 total), 265 denied, and 55 withdrawn or closed by the applicant. Its denial rate on decided applications was 30.4%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Peoples Bank
- Type
- State-chartered bank
- FDIC certificate #
- 5956
- RSSD ID
- 220527
- Primary regulator
- FDIC
- Holding company
- Peoples Bcorp of Nc Inc
- Established
- January 1, 1912
- Headquarters
- 518 W C St, Newton, NC 28658
- Website
- www.peoplesbanknc.com
- Employees
- 266
Quick answers
Peoples Bank: common questions
Is Peoples Bank FDIC insured?
Yes. Peoples Bank is an FDIC-insured institution (FDIC certificate #5956). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Peoples Bank's TellerScore?
75 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 #5956 in the FDIC failed bank list.
How many branches does Peoples Bank have?
16 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Newton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Members Credit UnionCredit union Winston Salem, NC | 85 out of 100, Very strong | $477.1M | 14.8% | 0.82% | vs |
| Cs Credit UnionCredit union Catawba, NC | 84 out of 100, Strong | $30.5M | 18.7% | 0.46% | vs |
| Summit Credit UnionCredit union Greensboro, NC | 82 out of 100, Strong | $368.8M | 15.4% | 0.71% | vs |
| BlueHarbor BankBank Mooresville, NC | 82 out of 100, Strong | $628.4M | 11.8% | 0.00% | vs |
| Nova Credit UnionCredit union Charlotte, NC | 79 out of 100, Strong | $120.7M | 17.6% | 0.56% | vs |
| First Federal Savings Bank of LincolntonBank Lincolnton, NC | 79 out of 100, Strong | $485.8M | 17.6% | 0.46% | vs |