Peoples Bank SB

9204 Columbia Avenue
Munster, IN 46321

Notable Rates APY Vs.Others
Savings 0.05% 2.60% →
1-Year CD 0.30% 2.25% →
2-Year CD 0.40% 2.50% →
5-Year CD N.A. 2.80% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2019 Overview

General Bank Information

Peoples Bank SB is an FDIC insured institution located in Munster, IN. It was founded in 1916 and has approximately $1.31 billion in assets. Customers can open an account at one of its 17 branches.

FDIC Insured Yes
FDIC Certificate # 29523
Date Established 1916
Assets $1.31 billion
Loans $0.89 billion
Deposits $1.13 billion
Capital $0.13 billion
 

For a more detailed analysis of Peoples Bank SB's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - November 21, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.05% $1,000 $20,000 Learn MoreShow Less
Money Market
0.10% $20,001 $100,000 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.15% $2,500 - Learn MoreShow Less
6 Mo CD
0.20% $2,500 - Learn MoreShow Less
Special: 7 Mo CD
1.45% $5,000 - Learn MoreShow Less
12 Mo CD
0.25% $2,500 $24,999 Learn MoreShow Less
12 Mo CD
0.30% $25,000 - Learn MoreShow Less
Special: 13 Mo CD
1.70% $5,000 - Learn MoreShow Less
18 Mo CD
0.25% $2,500 $24,999 Learn MoreShow Less
18 Mo CD
0.30% $25,000 - Learn MoreShow Less
24 Mo CD
0.35% $2,500 $24,999 Learn MoreShow Less
24 Mo CD
0.40% $25,000 - Learn MoreShow Less
30 Mo CD
0.45% $2,500 $24,999 Learn MoreShow Less
30 Mo CD
0.50% $25,000 - Learn MoreShow Less
36 Mo CD
0.50% $2,500 $24,999 Learn MoreShow Less
36 Mo CD
0.55% $25,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.25% $2,500 $24,999 Learn MoreShow Less
Special: 7 Mo FIRA
1.45% $5,000 - Learn MoreShow Less
Special: 13 Mo FIRA
1.70% $5,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.10% $100 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
0.03% $1 $100,000 Learn MoreShow Less

Loan Rates - November 21, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Peoples Bank SB

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
4.875% 4.875% 0.00 $0 $1,324 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.990% 4.990% 0.00 $0 $1,341 Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
3.530% 3.500% 0.38 $930 $1,123 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info
Atlantic Union Bank
Atlantic Union Bank
4.750 %
$15,000 Learn More
More Info

Note to Peoples Bank SB
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Branches

Peoples Bank SB branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Peoples Bank SB Locations


Financial Details

Peoples Bank SB Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Peoples Bank SB. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Peoples Bank SB U.S. Bank Average
7.82% 6.77%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2019, Peoples Bank SB had $9,021,000 in non-current loans and $1,501,000 in owned real estate. To cover these potential losses it had $125,893,000 in equity and $8,744,000 in loans loss reserves. That gives it a Texas Ratio of 7.82%.

Return on Equity
Peoples Bank SB U.S. Bank Average
10.36% 9.50%

Peoples Bank SB has a Return on Equity of 10.36% versus the BestCashCow average of 9.50%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Peoples Bank SB U.S. Bank Average
9.64% 12.76%

Peoples Bank SB has a Capitalization of 9.64% versus the BestCashCow average of 12.76. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Peoples Bank SB Balance Sheet Analysis

As of June 30, 2019, Peoples Bank SB had assets of $1,305,771,000, loans of $889,365,000, and deposits of $1,127,353,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2019
ASSETS
Cash & Balances due from depository institutions $0.05 billion
Interest-bearing balances $0.03 billion
Total securities $0.26 billion
Federal funds sold and reverse repurchase $0.01 billion
Net loans and leases $0.89 billion
Loan loss allowance $0.01 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.02 billion
All other assets $0.05 billion
     Total Assets $1.18 billion
LIABILITIES
Total deposits $1.13 billion
      Interest-bearing deposits $0.95 billion
      Deposits held in domestic offices $1.13 billion
      % insured (estimated) 71.57%
Federal funds purchased and repurchase agreements $0.02 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.02 billion
Subordinated debt $0.00 billion
All other liabilities $0.01 billion
      Total Liabilities $1.18 billion
      Shareholders’ Equity $0.13 billion

Summary Income Statement

June 30, 2019
INCOME AND EXPENSES
Total Interest Income $0.03 billion
Total Interest Expense $0.00 billion
Net interest income $0.02 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.02 billion
Pre-tax Net Operating Income $0.01 billion

Bank Loan Profile?

The top three loan types in Peoples Bank SB’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Commercial and Industrial Loans.

Compared to other banks in Indiana, Peoples Bank SB has a significantly higher percent of Construction and Development Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 39.97
Multifamily
Mortgages
5.75
Credit Card Loans 0.00
Consumer Auto Loans 0.09
Small Business Loans 9.65
Construction and Development Loans 8.06
Commercial Real Estate 31.03
Commercial and Industrial Loans 12.79
Farm Loans 0.00

Frequently Asked Questions About Peoples Bank Sb

Branches and Savings

Is Peoples Bank Sb FDIC insured?

Yes. It is covered under FDIC Certificate #29523.

Why does Peoples Bank Sb pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Peoples Bank Sb CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Peoples Bank Sb a commercial bank?

Yes

Where are Peoples Bank Sb locations?

See branch locations nearby.

Is Peoples Bank Sb open on Saturdays?

Is Peoples Bank Sb open on Sundays?

What time does Peoples Bank Sb open?

What time does Peoples Bank Sb close?

Are Peoples Bank Sb ATMs Open 24/7?

Do Peoples Bank Sb ATMs accept cash deposits?

Can Peoples Bank Sb customers use other ATMs?

Do Peoples Bank Sb branches have notaries?

Will Peoples Bank Sb notarize my document?

What address for Peoples Bank Sb should I put for incoming ACH transfers?

Will the Peoples Bank Sb branch print checks?

Do Peoples Bank Sb checks expire?

Does Peoples Bank Sb require US citizenship to open account?

Can Peoples Bank Sb close my account?

Does Peoples Bank Sb Report to credit bureaus?

Does Peoples Bank Sb Use Equifax?

What is Peoples Bank Sb's ACH Routing Number?

What is Peoples Bank Sb's SWIFT code?

Products

Does Peoples Bank Sb offer mortgages?

Compare mortgage rates here.

Does Peoples Bank Sb offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Peoples Bank Sb offer personal loans?

Compare personal loan rates here.

Does Peoples Bank Sb offer student loans?

Will Peoples Bank Sb cash a check?

Will Peoples Bank Sb redeem a savings bond?

Does Peoples Bank Sb cash savings bonds?

Will Peoples Bank Sb cash money orders?

Can Peoples Bank Sb issue a money order?

Does Peoples Bank Sb do currency exchange?

Background on The Bank

Who owns Peoples Bank Sb?

How long has Peoples Bank Sb been around?

Can Peoples Bank Sb transfer to other banks?

Does Peoples Bank Sb have quick pay?

Does Peoples Bank Sb accept rolled coins?

Will Peoples Bank Sb accept loose change?

Where is Peoples Bank Sb headquarters?

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