B
The Peoples Bank
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings The Peoples Bank
Chestertown, MD
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Rating B
Asset Quality Index 8.90
Capitalization Index 10.00
Liquidity Index 3.30
Profitability Index 6.60
Stability Index 6.30
Company Info The Peoples Bank
Chestertown, MD
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FDIC Number 12885
Phone Number (410) 778-3500
Website pbkc.com
Asset Quality The Peoples Bank
Chestertown, MD
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1-Year Asset Growth -2.05%
5-Year Asset Growth 4.57%
5-Year Charge-Offs to Average Loans -0.13%
Charge-Offs to Average Loans -0.03%
Non-Performing Assets to Assets 0.24%
Non-Performing Loans to Capital 1.18%
Non-Performing Loans to Loans 0.39%
Balance Sheet The Peoples Bank
Chestertown, MD
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Total Assets 293.24M
Total Deposits 252.02M
Capital and Reserves The Peoples Bank
Chestertown, MD
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Capital 39.63M
Leverage Ratio 13.92
Loan Loss Reserves to Loans 1.38%
Risk-Based Capital Ratio 26.07
Liquidity The Peoples Bank
Chestertown, MD
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Hot Money Ratio 6.53%
Liquidity Ratio 37.91%
Profitability The Peoples Bank
Chestertown, MD
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5-Year Return on Average Assets 0.95%
Net Income 2.77M
Net Interest Spread 4.09%
Operating Profit to Average Assets 1.62%
Overhead Efficiency Ratio 75.42%
Return on Assets 1.24%
Return on Equity 9.74%