🏦Bank Scorer

THE PEOPLES BANK

CHESTERTOWN, MD · Supervised by FDIC

Est. 1910FDIC #12,885RSSD: FDIC-12885
Part ofPEOPLES BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: August 2021

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.24%

Institution Profile

FDIC BankFind

Address

100 Spring Ave, CHESTERTOWN, MD

County

Kent County

Established

October 1, 1910

Total Assets

$293M(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, 2021

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Aug 2026(based on asset size)

Financial Snapshot

As of Q3 2025Call Report / FDIC

Total Assets

$293M

Total Deposits

$252M

Net Loans

$176M

Net Income

$3M

ROA

1.24%

ROE

9.75%

Risk-Based Capital

26.07%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

7

Branch Deposits

$256M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

7 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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