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.

From Q2 2025 to Q2 2026, the score rose 12 points (61 → 73), mostly because the loan quality component improved by 30 points.

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

Yes. PeoplesTrust Bank is an FDIC-insured institution (FDIC certificate #57569). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 22.9% of deposits ($40.6M) 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 11.11%, 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%).

Check how much of your own balance is covered

PeoplesTrust Bank lists 3 offices in 3 cities. Most locations:

• Florence, AL (1)
• Hackleburg, AL (1)
• Hamilton, AL (1)

All branch addresses and map

In 2025, PeoplesTrust Bank reported 85 home-loan applications under HMDA (LEI 549300OS6U8YWYOKJP92): 80 originated ($13,110,000 total), 2 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.4%, 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.

Legal name

PeoplesTrust Bank

Type

State-chartered bank

FDIC certificate #

57569

RSSD ID

3282012

Primary regulator

FDIC

Holding company

Hometown Bancshares Inc

Established

July 23, 2004

Headquarters

1281 Military St S, Hamilton, AL 35570

Website

www.peoplestrustbk.com

Employees

34