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 Peoples Bank of East Tennessee Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 23, 2026
Peoples Bank of East Tennessee rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.85%, 6-month CD rates at 2.75% and 3-month CD rates at 2.56%. Savings rates are at 0.89% and money market rates are at 1.22%. Mortgage rates on 30-year fixed loans are around 7.01%. These rates come from our rate database, not Peoples Bank of East Tennessee, and you can see how they compare in the Peoples Bank of East Tennessee rate tables below. MonitorBankRates evaluates the financial stability of Peoples Bank of East Tennessee with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.59%. Database rates last updated and verified on 09/23/2026. Peoples Bank of East Tennessee money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Peoples Bank of East Tennessee? Share your experience about Peoples Bank of East Tennessee by leaving a review below, or read customer reviews before you decide to use Peoples Bank of East Tennessee. Peoples Bank of East Tennessee
4511 Highway 411
https://www.PeoplesBank-TN.com Madisonville, TN 37354 
Current Rate AvailabilityWe're not currently displaying rates for Peoples Bank of East Tennessee, but our database is updated constantly, so check back soon for the latest offers. Are you with Peoples Bank of East Tennessee? We'd love to add your institution's rates. Contact us to get your institution's rates listed on MonitorBankRates. Financial Health HistoryPeoples Bank of East Tennessee’s Texas Ratio fell from 5.22% in Q3 2023 to 2.59% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Peoples Bank of East Tennessee is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Peoples Bank of East Tennessee rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Peoples Bank of East Tennessee's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
Peoples Bank of East Tennessee
Bank Holding Company
PEOPLES BANCSHARES OF TN INC
Address
4511 Highway 411,
Madisonville, TN 37354 · Monroe
Website
https://www.PeoplesBank-TN.com
FDIC Certificate #
34517
Established
19970922
FDIC Insurance Date
19970922
Domestic Offices
12
Total Branches
12
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 99/100
5.0
Exceptional
Out of 5.0 Stars
2.59%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
1.5263%
Return on Equity (ROE)
15.7300%
Non-Performing Loans (NPL)
0.26%
Total Assets
$456,076,000
Total Deposits
$407,158,000
Equity Capital
$45,257,000
Net Income
$3,432,000
Headquarters
Madisonville
Total Branches and Offices
12
Source: FDIC | Last Updated 06/30/2026
Customer ReviewsRicky J Martino
December 19, 2023
To all the employee\'s You guys are the Best, keep up the good work, And have a Merry Christmas and Happy New Year. 2023
Ricky J Martino
December 19, 2023
Best bank around the friendliest employees I have every meet. I have been a customer for both personal and business for over 17 years and this one outstanding bank, never any issues and always willing to help with any concerns you may have especially those employees in Ducktown and Madisonville TN they are the best. Always a pleasure doing business with them.
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Frequently Asked Questions About Peoples Bank of East TennesseeHow many branches does Peoples Bank of East Tennessee operate?Peoples Bank of East Tennessee currently maintains approximately 12 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, Peoples Bank of East Tennessee does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Peoples Bank of East Tennessee provides members with tools to manage their accounts and build a solid financial history. Does Peoples Bank of East Tennessee offer online and mobile banking?Most modern institutions like Peoples Bank of East Tennessee provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.PeoplesBank-TN.com. Compare to Other Banks
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