Headquartered in Magnolia, Arkansas, The Peoples Bank is a state-chartered bank with $195.9M in total assets and $136.8M in deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1910.
Based on its Q2 2026 filing, The Peoples Bank scores 65/100, which we describe as moderate. That is higher than only 29% of 2,650 banks with $100 million – $1 billion. Among 78 banks headquartered in Arkansas, it ranks 51st. Its strongest component is earnings (88/100; 1.69%), and its lowest is loan quality (26/100; 2.23%).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (66 → 65).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 52 |
| Q3 2024 | 52 |
| Q4 2024 | 53 |
| Q1 2025 | 64 |
| Q2 2025 | 66 |
| Q3 2025 | 70 |
| Q4 2025 | 66 |
| Q1 2026 | 65 |
| Q2 2026 | 65 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.48% |
| Q3 2024 | 11.51% |
| Q4 2024 | 12.17% |
| Q1 2025 | 12.55% |
| Q2 2025 | 12.93% |
| Q3 2025 | 13.46% |
| Q4 2025 | 13.31% |
| Q1 2026 | 13.81% |
| Q2 2026 | 13.59% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 2.34% |
| Q3 2024 | 2.33% |
| Q4 2024 | 2.43% |
| Q1 2025 | 2.36% |
| Q2 2025 | 2.14% |
| Q3 2025 | 1.93% |
| Q4 2025 | 2.26% |
| Q1 2026 | 2.27% |
| Q2 2026 | 2.23% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.97% |
| Q3 2024 | 0.87% |
| Q4 2024 | 0.93% |
| Q1 2025 | 1.86% |
| Q2 2025 | 1.97% |
| Q3 2025 | 1.94% |
| Q4 2025 | 2.01% |
| Q1 2026 | 1.67% |
| Q2 2026 | 1.69% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 65 | $195.9M | 13.59% | 2.23% | 1.69% | 109.2% |
| Q1 2026 | 65 | $197.1M | 13.81% | 2.27% | 1.67% | 109.2% |
| Q4 2025 | 66 | $194.4M | 13.31% | 2.26% | 2.01% | 110.9% |
| Q3 2025 | 70 | $196.9M | 13.46% | 1.93% | 1.94% | 111.8% |
| Q2 2025 | 66 | $199.9M | 12.93% | 2.14% | 1.97% | 111.3% |
| Q1 2025 | 64 | $206.5M | 12.55% | 2.36% | 1.86% | 100.7% |
| Q4 2024 | 53 | $207.2M | 12.17% | 2.43% | 0.93% | 108.1% |
| Q3 2024 | 52 | $216.3M | 11.51% | 2.33% | 0.87% | 104.6% |
| Q2 2024 | 52 | $217.3M | 11.48% | 2.34% | 0.97% | 106.4% |
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 Arkansas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank of Cave CityBank Cave City, AR | 50 out of 100, Below average | $194.4M | 8.4% | 1.62% | vs |
| Bank of DelightBank Delight, AR | 86 out of 100, Very strong | $201.0M | 13.4% | 0.29% | vs |
| Gateway BankBank Rison, AR | 32 out of 100, Low | $181.0M | 9.7% | 3.96% | vs |
| Producers Bank & TrustBank Mcgehee, AR | 90 out of 100, Very strong | $213.2M | 22.1% | 0.00% | vs |
| RiverBankBank Pocahontas, AR | 48 out of 100, Below average | $174.4M | 12.2% | 3.42% | vs |
| Riverwind BankBank Augusta, AR | 68 out of 100, Moderate | $167.8M | 9.1% | 0.16% | vs |
Deposit insurance
Is my money safe at The Peoples Bank?
Yes. The Peoples Bank is an FDIC-insured institution (FDIC certificate #12531). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 6.6% of deposits ($9.0M) 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 13.59%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 21.00% (benchmark: 10%).
4 locations
Branches
The Peoples Bank lists 4 offices in 2 cities. Most locations:
- Magnolia, AR (3)
- Waldo, AR (1)
Identity & history
Profile
- Legal name
- The Peoples Bank
- Type
- State-chartered bank
- FDIC certificate #
- 12531
- RSSD ID
- 712648
- Primary regulator
- FDIC
- Holding company
- Golden Oaks Bancshares Inc
- Established
- January 1, 1910
- Headquarters
- 500 N Jackson, Magnolia, AR 71753
- Website
- www.pbmag.com
- Employees
- 79
Quick answers
The Peoples Bank: common questions
Is The Peoples Bank FDIC insured?
Yes. The Peoples Bank is an FDIC-insured institution (FDIC certificate #12531). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Peoples Bank's TellerScore?
65 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 The Peoples Bank ever failed?
There is no failure record for FDIC certificate #12531 in the FDIC failed bank list.
How many branches does The Peoples Bank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Magnolia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank of SalemBank Salem, AR | 71 out of 100, Strong | $261.5M | 12.4% | 1.79% | vs |
| The First National Bank of Tom BeanBank Tom Bean, TX | 67 out of 100, Moderate | $155.6M | 12.1% | 1.23% | vs |
| Bonvenu Bank, National AssociationBank Bossier City, LA | 67 out of 100, Moderate | $1.6B | 10.0% | 0.13% | vs |
| Regions BankBank Birmingham, AL | 64 out of 100, Moderate | $159.8B | 9.5% | 0.93% | vs |
| Farmers Bank & Trust CompanyBank Magnolia, AR | 61 out of 100, Moderate | $3.2B | 9.9% | 1.32% | vs |
| Bodcaw BankBank Stamps, AR | 60 out of 100, Moderate | $247.3M | 10.9% | 1.38% | vs |