Bank · FDIC insured
Peoples Bank
A $1.8B bank headquartered in Newton, NC, with 16 branches in North Carolina. Best rates: CDs 3.20% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Savings: carrot has not captured enough rates to score this yet. Auto loans: no rates found on its website. Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- CDs—3.20%CD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Peoples Bank
Peoples Bank is owned by Peoples Bancorp of North Carolina, Inc. and is headquartered in Newton, North Carolina.
The bank operates North Carolina branches in Catawba, Charlotte, Claremont, Conover, Denver, Denver/Triangle, Hickory, Hiddenite, Huntersville, Lincolnton, Maiden, Mooresville, and Newton.
- Headquarters
- 518 W C St, Newton, NC 28658
- FDIC certificate
- 5956 ↗
Branches
16 branches in North Carolina
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North Carolina
16 branches
Hickory area · 3
- Catawba Valley Blvd Branch2050 Catawba Valley Blvd Se, Hickory, NC 28602Directions
- Hickory Viewmont Branch1333 2nd St Ne, Hickory, NC 28601Directions
- Springs Road3310 Springs Rd Ne, Hickory, NC 28601Directions
Newton area · 2
- Peoples BankMain office518 W C St, Newton, NC 28658Directions
- Newton Branch420 W A St, Newton, NC 28658Directions
Denver area · 2
- Denver Branch6125 S Nc 16 Business Hwy, Denver, NC 28037Directions
- Triangle Crossing Branch142 S Nc 16 Business Hwy, Denver, NC 28037Directions
Catawba area · 1
- Catawba Branch106 N Main St, Catawba, NC 28609Directions
Charlotte area · 1
- Banco De Le Gente6350 South Blvd, Charlotte, NC 28217Directions
Claremont area · 1
- Claremont Branch3261 E Main St, Claremont, NC 28610Directions
Conover area · 1
- Conover Branch213 1st St W, Conover, NC 28613Directions
Hiddenite area · 1
- Hiddenite Branch5153 Nc Highway 90 E, Hiddenite, NC 28636Directions
Huntersville area · 1
- Huntersville Branch9617 Holly Point Dr, Huntersville, NC 28078Directions
Lincolnton area · 1
- Lincolnton Branch1910 E Main St, Lincolnton, NC 28092Directions
Maiden area · 1
- Maiden Branch200 Island Ford Rd, Maiden, NC 28650Directions
Mooresville area · 1
- The Mooresville Branch163 Plantation Ridge Drive, Mooresville, NC 28117Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.50% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.41% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.18% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $82 | $88 | — |
- CapitalLeverage ratio11.50%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.41%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.18%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$82Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Peoples Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.