Peoples Bank (FDIC certificate #9489) is based in Clifton, Tennessee. Its Q2 2026 call report shows $445.3M in total assets and $376.4M in deposits and 5 offices.
Based on its Q2 2026 filing, Peoples Bank scores 79/100, which we describe as strong. That is higher than 75% of 2,650 banks with $100 million – $1 billion. Among 109 banks headquartered in Tennessee, it ranks 23rd. Its strongest component is problem-loan coverage (95/100; 2.4%), and its lowest is funding & liquidity (56/100; 95% loans-to-deposits, 23% uninsured).
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 fell 2 points (81 → 79), mostly because the funding & liquidity component weakened by 12 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 83 |
| Q3 2024 | 83 |
| Q4 2024 | 83 |
| Q1 2025 | 79 |
| Q2 2025 | 81 |
| Q3 2025 | 84 |
| Q4 2025 | 81 |
| Q1 2026 | 83 |
| Q2 2026 | 79 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.96% |
| Q3 2024 | 12.24% |
| Q4 2024 | 12.23% |
| Q1 2025 | 12.31% |
| Q2 2025 | 12.43% |
| Q3 2025 | 13.19% |
| Q4 2025 | 12.99% |
| Q1 2026 | 13.24% |
| Q2 2026 | 12.72% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.17% |
| Q3 2024 | 0.26% |
| Q4 2024 | 0.27% |
| Q1 2025 | 0.59% |
| Q2 2025 | 0.38% |
| Q3 2025 | 0.23% |
| Q4 2025 | 0.39% |
| Q1 2026 | 0.35% |
| Q2 2026 | 0.39% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.06% |
| Q3 2024 | 2.07% |
| Q4 2024 | 2.00% |
| Q1 2025 | 1.76% |
| Q2 2025 | 1.69% |
| Q3 2025 | 1.63% |
| Q4 2025 | 1.55% |
| Q1 2026 | 1.76% |
| Q2 2026 | 1.46% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 79 | $445.3M | 12.72% | 0.39% | 1.46% | 94.8% |
| Q1 2026 | 83 | $428.9M | 13.24% | 0.35% | 1.76% | 89.2% |
| Q4 2025 | 81 | $410.7M | 12.99% | 0.39% | 1.55% | 84.8% |
| Q3 2025 | 84 | $402.5M | 13.19% | 0.23% | 1.63% | 86.1% |
| Q2 2025 | 81 | $399.6M | 12.43% | 0.38% | 1.69% | 85.9% |
| Q1 2025 | 79 | $406.8M | 12.31% | 0.59% | 1.76% | 83.4% |
| Q4 2024 | 83 | $396.4M | 12.23% | 0.27% | 2.00% | 88.9% |
| Q3 2024 | 83 | $379.0M | 12.24% | 0.26% | 2.07% | 93.8% |
| Q2 2024 | 83 | $383.5M | 11.96% | 0.17% | 2.06% | 93.4% |
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 Tennessee
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Patriot BankBank Millington, TN | 54 out of 100, Below average | $451.2M | 9.9% | 1.47% | vs |
| Peoples Bank of East TennesseeBank Madisonville, TN | 78 out of 100, Strong | $456.1M | 10.9% | 0.37% | vs |
| Coffee County BankBank Manchester, TN | 76 out of 100, Strong | $427.6M | 9.6% | 0.18% | vs |
| Heritage Bank & TrustBank Columbia, TN | 65 out of 100, Moderate | $417.8M | 8.5% | 0.36% | vs |
| First Vision Bank of TennesseeBank Tullahoma, TN | 77 out of 100, Strong | $414.2M | 12.4% | 0.08% | vs |
| Bank of FrankewingBank Frankewing, TN | 41 out of 100, Below average | $413.1M | 11.3% | 6.25% | vs |
Deposit insurance
Is my money safe at Peoples Bank?
Yes. Peoples Bank is an FDIC-insured institution (FDIC certificate #9489). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 23.2% of deposits ($87.1M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.72%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.26% (benchmark: 10%).
5 locations
Branches
Peoples Bank lists 5 offices in 5 cities. Most locations:
- Clifton, TN (1)
- Collinwood, TN (1)
- Hohenwald, TN (1)
- Mount Pleasant, TN (1)
- Waynesboro, TN (1)
Identity & history
Profile
- Legal name
- Peoples Bank
- Former names
- Peoples' Bank of Clifton
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 9489
- RSSD ID
- 148238
- Primary regulator
- FED
- Holding company
- Pb Bancshares Emp Stk Ownership Plan
- Established
- January 1, 1890
- Headquarters
- 129 Main St, Clifton, TN 38425
- Website
- pbbanking.com
- Employees
- 67
Quick answers
Peoples Bank: common questions
Is Peoples Bank FDIC insured?
Yes. Peoples Bank is an FDIC-insured institution (FDIC certificate #9489). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Peoples Bank's TellerScore?
79 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 #9489 in the FDIC failed bank list.
How many branches does Peoples Bank have?
5 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Clifton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Tennessee River Federal Credit UnionCredit union Counce, TN | 89 out of 100, Very strong | $16.3M | 33.2% | 0.25% | vs |
| Wayne County BankBank Waynesboro, TN | 84 out of 100, Strong | $595.1M | 13.6% | 0.72% | vs |
| Central BankBank Savannah, TN | 78 out of 100, Strong | $160.2M | 12.0% | 0.00% | vs |
| The Hardin County BankBank Savannah, TN | 76 out of 100, Strong | $676.7M | 10.8% | 0.16% | vs |
| Bank of Perry CountyBank Lobelville, TN | 71 out of 100, Strong | $253.1M | 9.1% | 0.38% | vs |
| Hardin County Hospital Employees Credit UnionCredit union Savannah, TN | 68 out of 100, Moderate | $1.0M | 8.7% | 0.00% | vs |