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Peoples Bank
Newton, NC · State-chartered bank (not a Fed member) · Part of Peoples Bcorp of NC Inc
- Total assets
- $1.76B
- Q2 2026
- Deposits
- $1.57B
- Net income
- $10.25M
- first half of 2026
- Return on assets
- 1.18%
- Annualized
Bank details
As reported to the FDIC
- FDIC certificate
- 5956
- Main office
- Newton, NC
- Holding company
- Peoples Bcorp of NC Inc
- Charter
- State-chartered bank (not a Fed member)
- Primary federal regulator
- Federal Deposit Insurance Corporation (FDIC)
- Established
- 01/01/1912
- FDIC insured since
- 01/01/1934
- U.S. offices
- 16
- Employees (full-time equivalent)
- 266
- Specialty
- Commercial Lending Specialization
- Website
- www.peoplesbanknc.com
Quarterly financials
From the bank's Call Reports. Income figures are year to date; ratios are annualized.
| Quarter | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $1.76B | $1.73B | $1.7B | $1.74B | $1.69B | $1.69B | $1.65B | $1.66B |
| Deposits | $1.57B | $1.54B | $1.51B | $1.55B | $1.52B | $1.52B | $1.49B | $1.48B |
| Net loans and leases | $1.27B | $1.23B | $1.2B | $1.17B | $1.15B | $1.14B | $1.13B | $1.11B |
| Securities | $364.5M | $370.1M | $377.4M | $376.9M | $371.6M | $374.4M | $388M | $398.6M |
| Equity capital | $174.6M | $171.3M | $170.4M | $162.8M | $157.4M | $151.9M | $144.1M | $149.8M |
| Net income (year to date) | $10.25M | $4.69M | $21.1M | $14.16M | $10.15M | $4.66M | $17.75M | $13.85M |
| Return on assets | 1.18% | 1.09% | 1.24% | 1.12% | 1.21% | 1.12% | 1.07% | 1.12% |
| Return on equity | 11.91% | 10.98% | 13.41% | 12.26% | 13.44% | 12.60% | 12.66% | 13.27% |
| Net interest margin | 3.86% | 3.78% | 3.76% | 3.72% | 3.68% | 3.62% | 3.57% | 3.54% |
| Efficiency ratio | 68.9% | 69.8% | 68.7% | 71.2% | 69.5% | 69.5% | 73.0% | 71.5% |
| Noncurrent loans | 0.41% | 0.39% | 0.35% | 0.44% | 0.42% | 0.44% | 0.39% | 0.35% |
| Net charge-off rate | 0.03% | 0.02% | 0.04% | 0.03% | 0.02% | 0.01% | 0.13% | 0.11% |
| Leverage (core capital) ratio | 11.50% | 11.39% | 11.13% | 10.88% | 10.95% | 10.90% | 10.71% | 10.61% |
| Total risk-based capital ratio | 15.42% | 15.50% | 15.70% | 15.58% | 15.65% | 15.34% | 15.22% | 15.16% |
Assets grew 4.2% from Q2 2025.
Loan mix
Share of gross loans, Q2 2026
- Real estate loans$1.18B93.2%
- Commercial and industrial loans$65.63M5.2%
- Consumer loans$14.19M1.1%
Find bank branches in North Carolina · Employees: 266
Frequently asked questions
- What is Peoples Bank's FDIC certificate number?
- Peoples Bank's FDIC certificate number is 5956.
- How big is Peoples Bank?
- Peoples Bank reported total assets of $1.76B and deposits of $1.57B as of Q2 2026.
- Is Peoples Bank FDIC insured?
- Yes. Peoples Bank has been insured by the FDIC since 01/01/1934. Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
Source: Federal Deposit Insurance Corporation, BankFind Suite (Call Report data) · Last updated 06/30/2026