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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Hamilton, AL · FDIC certificate #57569
PEOPLESTRUST BANK is an FDIC-insured institution based in Hamilton, AL (FDIC certificate #57569). In its Q3 2026 Call Report it reported total assets of $205M, total deposits of $181M and net loans of $137M. Its primary federal regulator is FDIC.
Plain-language readout
PEOPLESTRUST BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $205M in Q3 2026 and were lowest at $198M in Q1 2026.
Total deposits were highest at $181M in Q3 2026 and lowest at $175M in Q1 2026.
Over the whole period total assets rose 3.4%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $205M | $181M | $137M | 1.11% | 10.61% | 3.83% |
| Q2 2026 | $201M | $178M | $132M | 1.08% | 10.28% | 3.73% |
| Q1 2026 | $198M | $175M | $134M | 1.21% | 11.52% | 3.74% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $7.4M | $7.2M | +$203K | +2.8% |
| Federal funds sold | $28.4M | $23.5M | +$5.0M | +21.2% |
| 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) | $25.2M | $24.8M | +$417K | +1.7% |
| 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) | $131.6M | $134.1M | -$2.4M | -1.8% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $2.2M | $2.3M | -$32K | -1.4% |
| Other real estate owned | $205K | $470K | -$265K | -56.4% |
| 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) | $490K | $490K | $0K | 0.0% |
| All other assets | $5.6M | $5.1M | +$467K | +9.1% |
| Total assets | $201.2M | $197.9M | +$3.3M | +1.7% |
| Liabilities | ||||
| Total deposits | $177.6M | $174.5M | +$3.0M | +1.7% |
| 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 | $1.0M | $1.0M | $0K | 0.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.4M | $1.6M | -$201K | -12.4% |
| Total liabilities | $180.0M | $177.2M | +$2.8M | +1.6% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $7K | $7K | $0K | 0.0% |
| Surplus | $6.5M | $6.5M | $0K | 0.0% |
| Retained earnings | $16.0M | $15.6M | +$476K | +3.1% |
| Accumulated other comprehensive income | -$1.3M | -$1.3M | +$32K | +2.4% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $21.2M | $20.7M | +$508K | +2.5% |
| Credit and capital | ||||
| Gross nonperforming assets | $807K | $1.1M | -$319K | -28.3% |
| Adjusted nonperforming assets | $807K | $1.1M | -$319K | -28.3% |
| Tangible equity plus allowance | $22.8M | $22.3M | +$482K | +2.2% |
| Texas ratio (gross) | 3.55% | 5.05% | -1.51 pts | See points |
| Texas ratio (adjusted) | 3.55% | 5.05% | -1.51 pts | See points |
| Texas ratio (adjusted, with performing restructured) | Not reported | Not reported | Not reported | 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) | 11.11% | 10.92% | +0.18 pts | See points |
| Construction and land loans to total capital | 42.47% | 46.99% | -4.52 pts | See points |
| Commercial real estate to total capital | 122.13% | 131.42% | -9.29 pts | See points |
| Dividend payout, year to date | 26.12% | 47.06% | -20.94 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -7.52% | -7.87% | +0.35 pts | See points |
| Liquidity | ||||
| Core deposits | $130.0M | $124.3M | +$5.7M | +4.6% |
| Non-core funding | $48.5M | $51.2M | -$2.7M | -5.3% |
| Loans to core deposits | 102.78% | 109.49% | -6.70 pts | See points |
| Loans to deposits | 75.26% | 77.97% | -2.71 pts | See points |
| Brokered deposits share of deposits | 1.37% | 2.46% | -1.09 pts | See points |
| Pledged securities share of securities | 41.38% | 40.09% | +1.29 pts | See points |
| Loans pledged, share of loans | 5.36% | 5.33% | +0.03 pts | See points |
| Volatile liabilities | $48.5M | $51.2M | -$2.7M | -5.3% |
| Earnings | ||||
| Earnings before provision, year to date | $1.4M | $786K | +$653K | +83.1% |
| Earnings before provision, single quarter | $653K | $786K | -$133K | -16.9% |
| Provision for credit losses, year to date | $17K | -$4K | +$21K | +525.0% |
| Yield and cost | ||||
| Yield on loans and leases | 7.22% | 7.21% | +0.01 pts | See points |
| Yield on interest-bearing balances due from banks | 3.69% | 3.39% | +0.30 pts | See points |
| Total interest income to average assets | 5.79% | 5.76% | +0.02 pts | See points |
| Cost of interest-bearing transaction accounts | 0.65% | 0.66% | -0.01 pts | See points |
| Cost of savings and money market deposits | 1.34% | 1.34% | -0.00 pts | See points |
| Cost of time deposits | 3.88% | 3.81% | +0.06 pts | See points |
| Total interest expense to average assets | 2.32% | 2.30% | +0.01 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 | $205M | $181M | $137M | 1.11% | 10.61% | 3.83% |
| 2026-06-30 | $201M | $178M | $132M | 1.08% | 10.28% | 3.73% |
| 2026-03-31 | $198M | $175M | $134M | 1.21% | 11.52% | 3.74% |
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 | $172.9M | 0.12% | 87 | 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.