This institution is no longer active

Operations ceased on July 28, 2004. CRA examination history below reflects the period it was active.

THE PEOPLES BANK OF MARYLAND

DENTON, MD · Supervised by FDIC

Est. 1898FDIC #9,693RSSD: FDIC-9693

Part ofMERCANTILE BANKSHARES CORP→ View all charters

Outstanding Up

Current rating · Exam: May 2003

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Strong

ROA 1.86%

Is this bank safe?

THE PEOPLES BANK OF MARYLAND earned an Outstanding CRA rating (2003), is financially strong (ROA +1.86%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

207 Market Street, DENTON, MD

County

Caroline County

Established

January 1, 1898

Total Assets

$110M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

May 5, 2003

Exam Type

Large Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 23 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 Q2 2004Call Report / FDIC

Total Assets

$110M

Total Deposits

$90M

Net Loans

$82M

Net Income

$1M

ROA

1.86%

Above avg for Small banks. Peer avg: 0.44%

ROE

18.79%

Risk-Based Capital

18.26%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA1.86%Peer avg: 0.44%▲ Above avg

Risk-Based Capital18.26%Peer avg: 23.03%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
May 2003	Outstanding	Large Bank
Mar 1998	Satisfactory	Large Bank
Mar 1995	Satisfactory	Not Reported

2 previous ratings locked — back to 1990

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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