C
Peoples Bank of Graceville
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Peoples Bank of Graceville
Graceville, FL
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Rating C
Asset Quality Index 7.40
Capitalization Index 6.00
Liquidity Index 1.90
Profitability Index 3.60
Stability Index 3.20
Company Info Peoples Bank of Graceville
Graceville, FL
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FDIC Number 21692
Phone Number (850) 263-3267
Website www.peoplesgraceville.com
Asset Quality Peoples Bank of Graceville
Graceville, FL
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1-Year Asset Growth -5.74%
5-Year Asset Growth 3.03%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans -0.03%
Non-Performing Assets to Assets 0.39%
Non-Performing Loans to Capital 1.73%
Non-Performing Loans to Loans 1.09%
Balance Sheet Peoples Bank of Graceville
Graceville, FL
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Total Assets 111.02M
Total Deposits 103.11M
Capital and Reserves Peoples Bank of Graceville
Graceville, FL
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Capital 7.23M
Leverage Ratio 10.68
Loan Loss Reserves to Loans 0.95%
Risk-Based Capital Ratio 32.43
Liquidity Peoples Bank of Graceville
Graceville, FL
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Hot Money Ratio 29.56%
Liquidity Ratio 67.01%
Profitability Peoples Bank of Graceville
Graceville, FL
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5-Year Return on Average Assets 1.13%
Net Income 434.00K
Net Interest Spread 2.24%
Operating Profit to Average Assets 0.76%
Overhead Efficiency Ratio 69.02%
Return on Assets 0.76%
Return on Equity 12.63%