Applications / Mortgage Analytics / Lenders / Arkansas / Peoples Bank
Sheridan, AR · State member bank · FRS · $290 million assets · 63 loans in 2025
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63
loans originated, 2025
71
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Peoples Bank, a small Arkansas lender, makes an unusually large share of its loans on manufactured homes, and in 2025 it grew fast and moved into new markets.
Manufactured homes made up 22.2% of its loans, against 1.6% at similar lenders (state member banks making between half and twice as many loans). That is higher than nearly all of them. Its typical loan was $125,000, against $175,000 at peers, and home-improvement loans were another 14.3% of its lending.
Its loans rose 43% to 63, against 8% at similar lenders. In 2025 it made its first loans in the Fort Smith area, in non-metro Oklahoma and around Lake Charles. It filed no report for 2020 to 2023, when small banks need not report, so those years are gaps, not years without lending.
Around Little Rock, its largest market, it ranked 86 of 423 lenders, and its share rose to 0.2% from 0.1%. Arvest Bank led there with $252.7M. In Fort Smith its first year gave it 0.3% of the market.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Peoples Bank took 71 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 61.9% · Refinance 15.9% · Home improvement 14.3% · Other 7.9%
Conventional 100.0% · of 63 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Arkansas | 61 | 96.8% |
| Louisiana | 1 | 1.6% |
| Oklahoma | 1 | 1.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Little Rock-North Little Rock-Conway | 47 |
| Jonesboro | 7 |
| Fort Smith | 1 |
| Hot Springs | 1 |
| Lake Charles | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493009I5VHHGVFQ1O54 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2939391 | 2004–2019 |
| Respondent ID (the HMDA filer code before 2018) | 357058 | 2004–2011 |
| Respondent ID (the HMDA filer code before 2018) | 22939391 | 2012–2017 |
Established 13 September 2000. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Peoples Bank's data.
Peoples Bank's data
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Peoples Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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