Peoples Bank of Graceville (FDIC certificate #21692) is based in Graceville, Florida. Its Q2 2026 call report shows $115.8M in total assets and $106.5M in deposits and 1 office.
Based on its Q2 2026 filing, Peoples Bank of Graceville scores 75/100, which we describe as strong. That is higher than 61% of 2,650 banks with $100 million – $1 billion. Among 82 banks headquartered in Florida, it ranks 20th. Its strongest component is funding & liquidity (100/100; 40% loans-to-deposits, 15% uninsured), and its lowest is capital cushion (53/100; 10.29%).
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 (77 → 75), mostly because the loan quality component weakened by 11 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 75 |
| Q3 2024 | 76 |
| Q4 2024 | 76 |
| Q1 2025 | 77 |
| Q2 2025 | 77 |
| Q3 2025 | 77 |
| Q4 2025 | 76 |
| Q1 2026 | 74 |
| Q2 2026 | 75 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.39% |
| Q3 2024 | 10.58% |
| Q4 2024 | 10.55% |
| Q1 2025 | 10.48% |
| Q2 2025 | 10.68% |
| Q3 2025 | 10.69% |
| Q4 2025 | 10.09% |
| Q1 2026 | 10.21% |
| Q2 2026 | 10.29% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.01% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.01% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.35% |
| Q2 2026 | 0.34% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.73% |
| Q3 2024 | 0.71% |
| Q4 2024 | 0.71% |
| Q1 2025 | 0.74% |
| Q2 2025 | 0.77% |
| Q3 2025 | 0.79% |
| Q4 2025 | 0.86% |
| Q1 2026 | 0.97% |
| Q2 2026 | 1.02% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 75 | $115.8M | 10.29% | 0.34% | 1.02% | 39.7% |
| Q1 2026 | 74 | $118.0M | 10.21% | 0.35% | 0.97% | 37.4% |
| Q4 2025 | 76 | $113.2M | 10.09% | 0.00% | 0.86% | 38.5% |
| Q3 2025 | 77 | $119.0M | 10.69% | 0.00% | 0.79% | 37.1% |
| Q2 2025 | 77 | $111.0M | 10.68% | 0.00% | 0.77% | 38.1% |
| Q1 2025 | 77 | $113.5M | 10.48% | 0.00% | 0.74% | 39.2% |
| Q4 2024 | 76 | $114.0M | 10.55% | 0.01% | 0.71% | 37.1% |
| Q3 2024 | 76 | $116.9M | 10.58% | 0.00% | 0.71% | 35.6% |
| Q2 2024 | 75 | $117.8M | 10.39% | 0.01% | 0.73% | 36.1% |
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 Florida
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Century Bank of FloridaBank Tampa, FL | 60 out of 100, Moderate | $101.1M | 10.6% | 0.99% | vs |
| Bank of PensacolaBank Pensacola, FL | 73 out of 100, Strong | $147.0M | 9.8% | 0.00% | vs |
| PNB Community BankBank Niceville, FL | 75 out of 100, Strong | $155.2M | 10.3% | 0.04% | vs |
| Bank of Belle GladeBank Belle Glade, FL | 72 out of 100, Strong | $160.1M | 10.2% | 0.00% | vs |
| The Warrington BankBank Pensacola, FL | 88 out of 100, Very strong | $173.9M | 16.7% | 0.00% | vs |
| Gulf Coast Business BankBank Fort Myers, FL | 70 out of 100, Strong | $186.6M | 12.5% | 0.00% | vs |
Deposit insurance
Is my money safe at Peoples Bank of Graceville?
Yes. Peoples Bank of Graceville is an FDIC-insured institution (FDIC certificate #21692). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 14.6% of deposits ($15.6M) 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 10.29%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 31.22% (benchmark: 10%).
1 location
Branches
Peoples Bank of Graceville lists 1 office in 1 city. Most locations:
- Graceville, FL (1)
Identity & history
Profile
- Legal name
- Peoples Bank of Graceville
- Type
- State-chartered bank
- FDIC certificate #
- 21692
- RSSD ID
- 717232
- Primary regulator
- FDIC
- Holding company
- Pbg Financial Services Inc
- Established
- July 12, 1974
- Headquarters
- 5306 Brown St, Graceville, FL 32440
- Website
- www.peoplesgraceville.com
- Employees
- 13
Quick answers
Peoples Bank of Graceville: common questions
Is Peoples Bank of Graceville FDIC insured?
Yes. Peoples Bank of Graceville is an FDIC-insured institution (FDIC certificate #21692). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Peoples Bank of Graceville'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 of Graceville ever failed?
There is no failure record for FDIC certificate #21692 in the FDIC failed bank list.
How many branches does Peoples Bank of Graceville have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Graceville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Samson Banking Company, Inc.Bank Samson, AL | 94 out of 100, Very strong | $124.5M | 14.8% | 0.00% | vs |
| Tyndall Federal Credit UnionCredit union Panama City, FL | 89 out of 100, Very strong | $1.9B | 13.6% | 0.26% | vs |
| Friend BankBank Slocomb, AL | 85 out of 100, Very strong | $221.0M | 13.5% | 0.48% | vs |
| BankSouthBank Dothan, AL | 84 out of 100, Strong | $221.5M | 19.1% | 0.02% | vs |
| Jackson County 1st Credit UnionCredit union Marianna, FL | 81 out of 100, Strong | $48.9M | 18.1% | 0.76% | vs |
| The First National Bank of HartfordBank Hartford, AL | 75 out of 100, Strong | $173.0M | 12.9% | 1.19% | vs |