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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Monroeville, AL · FDIC certificate #70
PEOPLES EXCHANGE BANK is an FDIC-insured institution based in Monroeville, AL (FDIC certificate #70). In its Q3 2026 Call Report it reported total assets of $94M, total deposits of $82M and net loans of $51M. Its primary federal regulator is FDIC.
Plain-language readout
PEOPLES EXCHANGE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $99M in Q2 2026 and were lowest at $94M in Q3 2026.
Total deposits were highest at $87M in Q2 2026 and lowest at $82M in Q3 2026.
Over the whole period total assets fell 3.4%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $94M | $82M | $51M | 1.08% | 9.27% | 4.12% |
| Q2 2026 | $99M | $87M | $52M | 0.99% | 8.60% | 4.00% |
| Q1 2026 | $98M | $86M | $52M | 0.82% | 7.17% | 3.86% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $8.8M | $7.4M | +$1.4M | +19.1% |
| Federal funds sold | $11.5M | $10.5M | +$1.0M | +9.6% |
| 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) | $20.4M | $21.8M | -$1.4M | -6.5% |
| 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) | $52.4M | $52.3M | +$76K | +0.1% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $1.1M | $1.1M | $0K | 0.0% |
| Other real estate owned | $315K | $479K | -$164K | -34.2% |
| 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 | $4.1M | $4.1M | -$25K | -0.6% |
| Total assets | $98.6M | $97.7M | +$884K | +0.9% |
| Liabilities | ||||
| Total deposits | $86.6M | $85.8M | +$831K | +1.0% |
| 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 | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $548K | $708K | -$160K | -22.6% |
| Total liabilities | $87.2M | $86.5M | +$671K | +0.8% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $5K | $5K | $0K | 0.0% |
| Surplus | $2.0M | $2.0M | $0K | 0.0% |
| Retained earnings | $11.2M | $10.9M | +$284K | +2.6% |
| Accumulated other comprehensive income | -$1.8M | -$1.7M | -$71K | -4.1% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $11.4M | $11.2M | +$213K | +1.9% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.6M | $1.3M | +$306K | +23.5% |
| Adjusted nonperforming assets | $1.6M | $1.3M | +$306K | +23.5% |
| Tangible equity plus allowance | $12.2M | $12.0M | +$152K | +1.3% |
| Texas ratio (gross) | 13.24% | 10.86% | +2.38 pts | See points |
| Texas ratio (adjusted) | 13.24% | 10.86% | +2.38 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 13.24% | 10.86% | +2.38 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 13.46% | 12.86% | +0.61 pts | See points |
| Construction and land loans to total capital | 4.27% | 5.09% | -0.82 pts | See points |
| Commercial real estate to total capital | 120.80% | 118.64% | +2.15 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -18.18% | -17.82% | -0.36 pts | See points |
| Liquidity | ||||
| Core deposits | $79.7M | $79.2M | +$583K | +0.7% |
| Non-core funding | $6.9M | $6.6M | +$248K | +3.7% |
| Loans to core deposits | 66.61% | 67.08% | -0.47 pts | See points |
| Loans to deposits | 61.32% | 61.90% | -0.58 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 25.68% | 27.73% | -2.05 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $6.9M | $6.6M | +$248K | +3.7% |
| Earnings | ||||
| Earnings before provision, year to date | $586K | $259K | +$327K | +126.3% |
| Earnings before provision, single quarter | $327K | $259K | +$68K | +26.3% |
| Provision for credit losses, year to date | $16K | $16K | $0K | 0.0% |
| Yield and cost | ||||
| Yield on loans and leases | 7.50% | 6.98% | +0.53 pts | See points |
| Yield on interest-bearing balances due from banks | 3.59% | 2.93% | +0.66 pts | See points |
| Total interest income to average assets | 5.38% | 5.02% | +0.36 pts | See points |
| Cost of interest-bearing transaction accounts | Not reported | Not reported | Not reported | See points |
| Cost of savings and money market deposits | 1.88% | 1.85% | +0.03 pts | See points |
| Cost of time deposits | 3.62% | 3.86% | -0.24 pts | See points |
| Total interest expense to average assets | 1.50% | 1.53% | -0.02 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 | $94M | $82M | $51M | 1.08% | 9.27% | 4.12% |
| 2026-06-30 | $99M | $87M | $52M | 0.99% | 8.60% | 4.00% |
| 2026-03-31 | $98M | $86M | $52M | 0.82% | 7.17% | 3.86% |
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 |
|---|---|---|---|---|
| AL | $84.5M | 0.06% | 115 | 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.