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Data through Q3 2026 · 4,200 institutions
Regulatory profile
La Follette, TN · FDIC certificate #4945
PEOPLES BANK OF THE SOUTH is an FDIC-insured institution based in La Follette, TN (FDIC certificate #4945). In its Q3 2026 Call Report it reported total assets of $233M, total deposits of $194M and net loans of $195M. Its primary federal regulator is FDIC.
Plain-language readout
PEOPLES BANK OF THE SOUTH has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $233M in Q3 2026 and were lowest at $231M in Q1 2026.
Total deposits were highest at $194M in Q3 2026 and lowest at $189M in Q1 2026.
Over the whole period total assets rose 0.8%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $233M | $194M | $195M | 2.90% | 24.71% | 5.53% |
| Q2 2026 | $232M | $190M | $198M | 3.10% | 26.62% | 5.46% |
| Q1 2026 | $231M | $189M | $192M | 3.13% | 27.17% | 5.41% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $15.4M | $15.3M | +$127K | +0.8% |
| Federal funds sold | $150K | $150K | $0K | 0.0% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $13.3M | $19.7M | -$6.4M | -32.6% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $198.4M | $191.6M | +$6.8M | +3.6% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $2.6M | $2.6M | +$65K | +2.5% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $2.1M | $2.1M | -$13K | -0.6% |
| Total assets | $232.0M | $231.4M | +$562K | +0.2% |
| Liabilities | ||||
| Total deposits | $190.5M | $189.3M | +$1.2M | +0.6% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $13.0M | $13.5M | -$500K | -3.7% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $880K | $1.8M | -$935K | -51.5% |
| Total liabilities | $204.3M | $204.6M | -$258K | -0.1% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $410K | $410K | $0K | 0.0% |
| Surplus | $1.8M | $1.8M | $0K | 0.0% |
| Retained earnings | $26.3M | $25.6M | +$752K | +2.9% |
| Accumulated other comprehensive income | -$846K | -$914K | +$68K | +7.4% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $27.7M | $26.8M | +$820K | +3.1% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.7M | $1.6M | +$145K | +9.3% |
| Adjusted nonperforming assets | $1.7M | $1.6M | +$145K | +9.3% |
| Tangible equity plus allowance | $29.7M | $28.8M | +$820K | +2.8% |
| Texas ratio (gross) | 5.74% | 5.40% | +0.34 pts | See points |
| Texas ratio (adjusted) | 5.74% | 5.40% | +0.34 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 5.74% | 5.40% | +0.34 pts | See points |
| Tier 1 capital to risk-weighted assets | 16.49% | 17.71% | -1.22 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 16.49% | 17.71% | -1.22 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.16% | 1.25% | -0.10 pts | See points |
| Total risk-based capital to risk-weighted assets | 17.64% | 18.96% | -1.32 pts | See points |
| Tier 1 leverage (approximate) | 12.43% | 12.15% | +0.28 pts | See points |
| Construction and land loans to total capital | 120.26% | 117.81% | +2.45 pts | See points |
| Commercial real estate to total capital | 283.62% | 283.99% | -0.37 pts | See points |
| Dividend payout, year to date | 57.41% | 57.13% | +0.29 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -3.17% | -3.52% | +0.35 pts | See points |
| Liquidity | ||||
| Core deposits | $160.1M | $159.5M | +$584K | +0.4% |
| Non-core funding | $43.4M | $43.3M | +$93K | +0.2% |
| Loans to core deposits | 125.20% | 121.39% | +3.81 pts | See points |
| Loans to deposits | 105.22% | 102.28% | +2.94 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 53.03% | 41.84% | +11.19 pts | See points |
| Loans pledged, share of loans | 41.63% | 44.55% | -2.92 pts | See points |
| Volatile liabilities | $43.4M | $43.3M | +$93K | +0.2% |
| Earnings | ||||
| Earnings before provision, year to date | $3.8M | $1.9M | +$1.9M | +99.1% |
| Earnings before provision, single quarter | $1.9M | $1.9M | -$18K | -0.9% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 7.98% | 7.86% | +0.12 pts | See points |
| Yield on interest-bearing balances due from banks | 4.05% | 3.20% | +0.84 pts | See points |
| Total interest income to average assets | 7.08% | 6.93% | +0.15 pts | See points |
| Cost of interest-bearing transaction accounts | 1.62% | 1.66% | -0.04 pts | See points |
| Cost of savings and money market deposits | 0.58% | 0.46% | +0.12 pts | See points |
| Cost of time deposits | 3.55% | 3.54% | +0.01 pts | See points |
| Total interest expense to average assets | 1.71% | 1.71% | +0.00 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $233M | $194M | $195M | 2.90% | 24.71% | 5.53% |
| 2026-06-30 | $232M | $190M | $198M | 3.10% | 26.62% | 5.46% |
| 2026-03-31 | $231M | $189M | $192M | 3.13% | 27.17% | 5.41% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| TN | $187.9M | 0.08% | 119 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.