TellerScore

Headquartered in Pratt, Kansas, The Peoples Bank is a state-chartered bank (fed member) with $531.1M in total assets and $486.6M in deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1887.

The Peoples Bank has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 61% of its 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 90th. Earnings contributes the most (100/100, 3.00%); capital cushion contributes the least (43/100, 9.29%).

TellerScore · Q2 2026

Scorecard

Capital cushion43/100
Tier 1 leverage ratio: 9.29%
Loan quality88/100
Noncurrent loans ÷ total loans: 0.37%
Earnings100/100
Return on assets (annualized): 3.00%
Funding & liquidity82/100
Loans ÷ deposits and uninsured-deposit share: 53.9% · 31.8% uninsured
Problem-loan coverage75/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 12.26%

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 6 points (69 → 75), mostly because the earnings component improved by 20 points.

TellerScore
576675Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202457
Q3 202459
Q4 202459
Q1 202571
Q2 202569
Q3 202566
Q4 202565
Q1 202675
Q2 202675
Tier 1 leverage ratio
5.00%7.15%9.29%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.25%
Q3 20248.92%
Q4 20248.94%
Q1 20258.80%
Q2 20258.64%
Q3 20258.88%
Q4 20258.55%
Q1 20269.14%
Q2 20269.29%
Noncurrent loans
0.26%1.28%2.30%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20242.30%
Q3 20242.06%
Q4 20241.91%
Q1 20250.31%
Q2 20250.28%
Q3 20250.65%
Q4 20250.79%
Q1 20260.26%
Q2 20260.37%
Return on assets
1.49%2.51%3.54%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.96%
Q3 20241.93%
Q4 20241.90%
Q1 20251.60%
Q2 20251.49%
Q3 20251.50%
Q4 20251.63%
Q1 20263.54%
Q2 20263.00%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$531.1M9.29%0.37%3.00%53.9%
Q1 202675$548.1M9.14%0.26%3.54%51.6%
Q4 202565$556.0M8.55%0.79%1.63%51.3%
Q3 202566$543.5M8.88%0.65%1.50%51.1%
Q2 202569$522.0M8.64%0.28%1.49%52.1%
Q1 202571$524.1M8.80%0.31%1.60%52.9%
Q4 202459$523.7M8.94%1.91%1.90%58.2%
Q3 202459$514.5M8.92%2.06%1.93%57.2%
Q2 202457$512.1M9.25%2.30%1.96%55.7%

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).

Capital ratio9.29%
17th
Total risk-based capital16.77%
77th
Problem loans0.37%
53rd
Net charge-offs0.00%
55th
Return on assets3.00%
98th
Net interest margin3.83%
44th
Efficiency ratio43.5%
93rd
Loans to deposits53.9%
88th
Uninsured deposits31.8%
23rd
Loan-loss reserves1.64%
85th
Texas ratio12.3%
14th

Similar-size banks in Kansas

InstitutionScoreAssetsCapitalProblem loansCompare
Labette BankBank Altamont, KS68 out of 100, Moderate$544.4M13.1%1.73%vs
Bank of the Flint HillsBank Wamego, KS71 out of 100, Strong$544.5M8.6%0.03%vs
First State Bank and TrustBank Tonganoxie, KS66 out of 100, Moderate$514.9M8.6%0.48%vs
Silver Lake BankBank Topeka, KS77 out of 100, Strong$548.2M10.9%0.00%vs
Citizens Bank of KansasBank Kingman, KS72 out of 100, Strong$548.4M8.5%0.02%vs
Great American BankBank Lawrence, KS80 out of 100, Strong$513.2M11.0%0.00%vs

Deposit insurance

Is my money safe at The Peoples Bank?

Yes. The Peoples Bank is an FDIC-insured institution (FDIC certificate #1147). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 31.8% of deposits ($154.7M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.29%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.77% (benchmark: 10%).

Check how much of your own balance is covered

5 locations

Branches

The Peoples Bank lists 5 offices in 5 cities. Most locations:

  • Greensburg, KS (1)
  • Medicine Lodge, KS (1)
  • Osborne, KS (1)
  • Pratt, KS (1)
  • Smith Center, KS (1)

All branch addresses and map

Identity & history

Profile

Legal name
The Peoples Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
1147
RSSD ID
530655
Primary regulator
FED
Holding company
Peoples Bankshares Ltd the
Established
May 20, 1887
Headquarters
222 S Main St, Pratt, KS 67124
Employees
76

Quick answers

The Peoples Bank: common questions

Is The Peoples Bank FDIC insured?

Yes. The Peoples Bank is an FDIC-insured institution (FDIC certificate #1147). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Peoples Bank'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 The Peoples Bank ever failed?

There is no failure record for FDIC certificate #1147 in the FDIC failed bank list.

How many branches does The Peoples Bank have?

5 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Pratt

InstitutionScoreAssetsCapitalProblem loansCompare
Fusion BankBank Larned, KS88 out of 100, Very strong$281.0M12.8%0.47%vs
The Bank of ProtectionBank Protection, KS81 out of 100, Strong$154.4M11.8%0.01%vs
Legacy BankBank Colwich, KS74 out of 100, Strong$865.0M10.6%0.06%vs
Ninnescah Valley BankBank Cunningham, KS57 out of 100, Moderate$44.6M12.0%3.54%vs