Peoples Bank of Graceville

Peoples Bank of Graceville is a currently active other specialized under 1 billion banking institution headquartered in Graceville, Florida. Established in 07/12/1974, this institution operates under regulatory supervision and is fully insured by the FDIC.

As a financial institution, Peoples Bank of Graceville manages $118.0M in total assets and holds $109.2M in customer deposits. When evaluating the stability of Peoples Bank of Graceville, one of the most critical metrics is its Capital Cushion (Equity-to-Assets Ratio). At 6.93%, this indicates how much financial loss the bank can absorb before depositors' funds are placed at risk. A strong equity cushion is a key indicator of a bank's ability to weather economic downturns.

In terms of operational efficiency, the bank's Return on Assets (ROA) is 0.97%, while its Return on Equity (ROE) sits at 13.97%. These robust metrics contribute to an overall health score of 8.7 out of 10, signaling a well-capitalized and efficiently managed operation that effectively balances risk and shareholder return.