C
The Peoples Bank
SardisTN
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
Sardis, TN
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Rating C
Asset Quality Index 7.60
Capitalization Index 9.40
Liquidity Index 2.20
Profitability Index 3.30
Stability Index 5.00
Company Info The Peoples Bank
Sardis, TN
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FDIC Number 6110
Phone Number (731) 858-2661
Website www.thepeoplesbankoftn.com
Asset Quality The Peoples Bank
Sardis, TN
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1-Year Asset Growth -2.97%
5-Year Asset Growth 4.78%
5-Year Charge-Offs to Average Loans 0.18%
Charge-Offs to Average Loans 0.07%
Non-Performing Assets to Assets 0.76%
Non-Performing Loans to Capital 1.19%
Non-Performing Loans to Loans 0.19%
Balance Sheet The Peoples Bank
Sardis, TN
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Total Assets 109.25M
Total Deposits 97.51M
Capital and Reserves The Peoples Bank
Sardis, TN
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Capital 10.29M
Leverage Ratio 10.58
Loan Loss Reserves to Loans 0.90%
Risk-Based Capital Ratio --
Liquidity The Peoples Bank
Sardis, TN
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Hot Money Ratio 29.07%
Liquidity Ratio 26.80%
Profitability The Peoples Bank
Sardis, TN
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5-Year Return on Average Assets 0.57%
Net Income 292.00K
Net Interest Spread 3.92%
Operating Profit to Average Assets 0.69%
Overhead Efficiency Ratio 79.79%
Return on Assets 0.53%
Return on Equity 5.85%