🏦Bank Scorer

PEOPLES BANK

CLIFTON, TN · Supervised by FDIC

Est. 1890FDIC #9,489RSSD: FDIC-9489
Part ofPB BANCSHARES EMP STK OWNERSHIP PLAN→ View all charters
Satisfactory Same

Current rating · Exam: August 2018

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.76%

Institution Profile

FDIC BankFind

Address

129 Main St, CLIFTON, TN

County

Wayne County

Established

January 1, 1890

Total Assets

$429M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

August 1, 2018

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 7 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$429M

Total Deposits

$369M

Net Loans

$329M

Net Income

$2M

ROA

1.76%

ROE

14.17%

Risk-Based Capital

16.09%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

5

Branch Deposits

$345M

1-Year Change

0

5-year net change: +2 branches

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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