Headquartered in La Follette, Tennessee, Peoples Bank of the South is a state-chartered bank with $232.0M in total assets and $190.5M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1917.
Based on its Q2 2026 filing, Peoples Bank of the South scores 76/100, which we describe as strong. That is higher than 64% of 2,650 banks with $100 million – $1 billion. Among 109 banks headquartered in Tennessee, it ranks 35th. Its strongest component is earnings (100/100; 3.10%), and its lowest is funding & liquidity (44/100; 104% loans-to-deposits, 26% 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 (78 → 76), mostly because the funding & liquidity component weakened by 9 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 76 |
| Q3 2024 | 78 |
| Q4 2024 | 75 |
| Q1 2025 | 79 |
| Q2 2025 | 78 |
| Q3 2025 | 77 |
| Q4 2025 | 78 |
| Q1 2026 | 76 |
| Q2 2026 | 76 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.64% |
| Q3 2024 | 11.86% |
| Q4 2024 | 11.88% |
| Q1 2025 | 11.88% |
| Q2 2025 | 11.96% |
| Q3 2025 | 12.16% |
| Q4 2025 | 12.06% |
| Q1 2026 | 12.15% |
| Q2 2026 | 12.43% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.66% |
| Q3 2024 | 0.55% |
| Q4 2024 | 0.94% |
| Q1 2025 | 0.47% |
| Q2 2025 | 0.61% |
| Q3 2025 | 0.70% |
| Q4 2025 | 0.53% |
| Q1 2026 | 0.80% |
| Q2 2026 | 0.85% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.35% |
| Q3 2024 | 2.38% |
| Q4 2024 | 2.37% |
| Q1 2025 | 2.83% |
| Q2 2025 | 2.87% |
| Q3 2025 | 2.77% |
| Q4 2025 | 2.68% |
| Q1 2026 | 3.13% |
| Q2 2026 | 3.10% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 76 | $232.0M | 12.43% | 0.85% | 3.10% | 104.2% |
| Q1 2026 | 76 | $231.4M | 12.15% | 0.80% | 3.13% | 101.2% |
| Q4 2025 | 78 | $227.4M | 12.06% | 0.53% | 2.68% | 104.6% |
| Q3 2025 | 77 | $225.8M | 12.16% | 0.70% | 2.77% | 99.4% |
| Q2 2025 | 78 | $225.3M | 11.96% | 0.61% | 2.87% | 96.8% |
| Q1 2025 | 79 | $229.4M | 11.88% | 0.47% | 2.83% | 94.9% |
| Q4 2024 | 75 | $221.7M | 11.88% | 0.94% | 2.37% | 97.0% |
| Q3 2024 | 78 | $214.2M | 11.86% | 0.55% | 2.38% | 100.0% |
| Q2 2024 | 76 | $214.7M | 11.64% | 0.66% | 2.35% | 98.9% |
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 |
|---|---|---|---|---|---|
| Farmers State BankBank Mountain City, TN | 73 out of 100, Strong | $232.6M | 12.6% | 0.83% | vs |
| Bank of Lincoln CountyBank Fayetteville, TN | 86 out of 100, Very strong | $230.1M | 12.2% | 0.01% | vs |
| First Farmers & Commercial BankBank Pikeville, TN | 71 out of 100, Strong | $226.4M | 9.9% | 0.07% | vs |
| Security BankBank Newbern, TN | 70 out of 100, Strong | $224.1M | 10.5% | 0.54% | vs |
| Homeland Community BankBank Mcminnville, TN | 67 out of 100, Moderate | $244.1M | 8.5% | 0.36% | vs |
| First Peoples Bank of TennesseeBank Jefferson City, TN | 75 out of 100, Strong | $219.5M | 11.4% | 0.08% | vs |
Deposit insurance
Is my money safe at Peoples Bank of the South?
Yes. Peoples Bank of the South is an FDIC-insured institution (FDIC certificate #4945). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 25.6% of deposits ($48.8M) 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 12.43%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.64% (benchmark: 10%).
3 locations
Branches
Peoples Bank of the South lists 3 offices in 2 cities. Most locations:
- La Follette, TN (2)
- Clinton, TN (1)
Identity & history
Profile
- Legal name
- Peoples Bank of the South
- Former names
- The Peoples National Bank of La Follette
- Type
- State-chartered bank
- FDIC certificate #
- 4945
- RSSD ID
- 277736
- Primary regulator
- FDIC
- Established
- January 1, 1917
- Headquarters
- 106 W Central Ave, La Follette, TN 37766
- Website
- www.peoplesbanksouth.com
- Employees
- 32
Quick answers
Peoples Bank of the South: common questions
Is Peoples Bank of the South FDIC insured?
Yes. Peoples Bank of the South is an FDIC-insured institution (FDIC certificate #4945). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Peoples Bank of the South'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 of the South ever failed?
There is no failure record for FDIC certificate #4945 in the FDIC failed bank list.
How many branches does Peoples Bank of the South have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near La Follette
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Choice Community Credit UnionCredit union Knoxville, TN | 85 out of 100, Very strong | $48.9M | 16.4% | 1.02% | vs |
| The First National Bank of OneidaBank Oneida, TN | 82 out of 100, Strong | $367.8M | 11.0% | 0.27% | vs |
| Community Trust Bank, Inc.Bank Pikeville, KY | 80 out of 100, Strong | $6.9B | 13.4% | 0.58% | vs |
| Enrichment Federal Credit UnionCredit union Oak Ridge, TN | 80 out of 100, Strong | $984.4M | 12.2% | 0.37% | vs |
| Arh Federal Credit UnionCredit union Middlesboro, KY | 79 out of 100, Strong | $19.9M | 26.9% | 1.32% | vs |
| Commercial BankBank Harrogate, TN | 77 out of 100, Strong | $2.4B | 11.6% | 0.35% | vs |