Headquartered in Monroeville, Alabama, Peoples Exchange Bank is a state-chartered bank with $98.6M in total assets and $86.6M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1907.
Peoples Exchange Bank has a TellerScore of 64 out of 100 (moderate) based on Q2 2026 data — higher than only 24% of its 546 banks with under $100 million in assets. Among 93 banks headquartered in Alabama, it ranks 70th. Funding & liquidity contributes the most (95/100, 60% loans-to-deposits, 19% uninsured); loan quality contributes the least (19/100, 2.44%).
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 11 points (53 → 64), mostly because the earnings component improved by 17 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 46 |
| Q3 2024 | 47 |
| Q4 2024 | 49 |
| Q1 2025 | 54 |
| Q2 2025 | 53 |
| Q3 2025 | 60 |
| Q4 2025 | 69 |
| Q1 2026 | 68 |
| Q2 2026 | 64 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.11% |
| Q3 2024 | 12.05% |
| Q4 2024 | 12.27% |
| Q1 2025 | 12.88% |
| Q2 2025 | 12.79% |
| Q3 2025 | 13.19% |
| Q4 2025 | 13.25% |
| Q1 2026 | 12.86% |
| Q2 2026 | 13.46% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 3.17% |
| Q3 2024 | 2.94% |
| Q4 2024 | 2.97% |
| Q1 2025 | 2.79% |
| Q2 2025 | 2.87% |
| Q3 2025 | 2.35% |
| Q4 2025 | 1.54% |
| Q1 2026 | 1.55% |
| Q2 2026 | 2.44% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.28% |
| Q3 2024 | 0.25% |
| Q4 2024 | 0.40% |
| Q1 2025 | 0.46% |
| Q2 2025 | 0.55% |
| Q3 2025 | 0.61% |
| Q4 2025 | 0.74% |
| Q1 2026 | 0.82% |
| Q2 2026 | 0.99% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 64 | $98.6M | 13.46% | 2.44% | 0.99% | 60.5% |
| Q1 2026 | 68 | $97.7M | 12.86% | 1.55% | 0.82% | 61.0% |
| Q4 2025 | 69 | $97.1M | 13.25% | 1.54% | 0.74% | 61.7% |
| Q3 2025 | 60 | $95.6M | 13.19% | 2.35% | 0.61% | 64.3% |
| Q2 2025 | 53 | $95.3M | 12.79% | 2.87% | 0.55% | 65.0% |
| Q1 2025 | 54 | $97.1M | 12.88% | 2.79% | 0.46% | 63.1% |
| Q4 2024 | 49 | $93.9M | 12.27% | 2.97% | 0.40% | 65.5% |
| Q3 2024 | 47 | $98.9M | 12.05% | 2.94% | 0.25% | 65.9% |
| Q2 2024 | 46 | $97.6M | 12.11% | 3.17% | 0.28% | 66.5% |
546 peers · Under $100 million in assets
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 Alabama
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank of Walker CountyBank Jasper, AL | 75 out of 100, Strong | $98.5M | 11.2% | 0.46% | vs |
| The Farmers & Merchants BankBank Waterloo, AL | 75 out of 100, Strong | $98.3M | 17.0% | 1.33% | vs |
| Bank47Bank Huntsville, AL | 69 out of 100, Moderate | $97.0M | 13.0% | 0.18% | vs |
| Nova BankBank Huntsville, AL | 82 out of 100, Strong | $91.2M | 28.1% | 0.00% | vs |
| Commonwealth National BankBank Mobile, AL | 45 out of 100, Below average | $78.5M | 13.7% | 4.31% | vs |
| Bank of EvergreenBank Evergreen, AL | 81 out of 100, Strong | $78.1M | 14.2% | 0.59% | vs |
Deposit insurance
Is my money safe at Peoples Exchange Bank?
Yes. Peoples Exchange Bank is an FDIC-insured institution (FDIC certificate #70). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 19.1% of deposits ($16.6M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 13.46%, well 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%).
1 location
Branches
Peoples Exchange Bank lists 1 office in 1 city. Most locations:
- Monroeville, AL (1)
Identity & history
Profile
- Legal name
- Peoples Exchange Bank
- Former names
- Peoples Exchange Bank of Monroe County
- Type
- State-chartered bank
- FDIC certificate #
- 70
- RSSD ID
- 42037
- Primary regulator
- FDIC
- Holding company
- Peoples Exc Bancshares Inc
- Established
- August 23, 1907
- Headquarters
- 2013 S Highway 21 Byp, Monroeville, AL 36460
- Website
- www.peb.bank
- Employees
- 21
Quick answers
Peoples Exchange Bank: common questions
Is Peoples Exchange Bank FDIC insured?
Yes. Peoples Exchange Bank is an FDIC-insured institution (FDIC certificate #70). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Peoples Exchange Bank's TellerScore?
64 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Peoples Exchange Bank ever failed?
There is no failure record for FDIC certificate #70 in the FDIC failed bank list.
How many branches does Peoples Exchange Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Monroeville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank of EvergreenBank Evergreen, AL | 81 out of 100, Strong | $78.1M | 14.2% | 0.59% | vs |
| United BankBank Atmore, AL | 74 out of 100, Strong | $1.5B | 15.8% | 1.35% | vs |
| The First National Bank and TrustBank Atmore, AL | 74 out of 100, Strong | $238.6M | 11.5% | 0.10% | vs |
| Gulf Winds Credit UnionCredit union Pensacola, FL | 69 out of 100, Moderate | $1.4B | 9.9% | 0.44% | vs |
| Regions BankBank Birmingham, AL | 64 out of 100, Moderate | $159.8B | 9.5% | 0.93% | vs |
| Trustmark BankBank Jackson, MS | 62 out of 100, Moderate | $19.2B | 10.4% | 1.14% | vs |