Applications / Mortgage Analytics / Lenders / Alabama / PeoplesTrust Bank
Hamilton, AL · State non-member bank · FDIC · $197 million assets · 80 loans in 2025
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80
loans originated, 2025
85
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
PeoplesTrust Bank is a small Alabama bank whose lending leans heavily on manufactured homes and small refinances, and it gained ground in its home market of Florence-Muscle Shoals in 2025.
Manufactured homes made up 23.8% of its loans, against 2.6% at similar lenders, state non-member banks making between half and twice as many loans. That is higher than more than nine in ten of them. Refinances were 60.0% of its lending and purchases 36.3%. All its loans were conventional.
Its typical loan was $95,000, against $172,500 at similar lenders, smaller than at about nine in ten of them. Its manufactured-home lending may account for part of the gap. It lent $13.1 million in all on 80 loans.
In Florence-Muscle Shoals, where it first reported in 2009, its share rose to 0.8% from 0.5%. That ranks it 30 of 220 lenders; Bank Independent and Listerhill Credit Union lead. Its loans rose 4% to 80, slower than similar lenders (9%) and the whole market (10%). It filed no report for 2020 to 2022, when a bank making fewer than 100 loans need not report, so its record has a gap rather than a fall.
Some 22.5% of its loans were in low- and moderate-income neighborhoods, against 18.5% at similar lenders, a little above the middle of the group. None were in majority-minority neighborhoods, against 6.6% at peers. Its lending is spread over 10 counties in Alabama, and the makeup of those places may explain the gap.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. PeoplesTrust Bank took 85 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 60.0% · Purchase 36.3% · Other 3.8%
Conventional 100.0% · of 80 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 |
|---|---|---|
| Alabama | 80 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Florence-Muscle Shoals | 27 |
| Birmingham | 2 |
| Decatur | 1 |
| Huntsville | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300OS6U8YWYOKJP92 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3282012 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 357569 | 2009–2017 |
Established 23 July 2004. Reported under HMDA 2009-2025.
Mergers, name changes, data editions and corrections: PeoplesTrust Bank's data.
PeoplesTrust Bank's data
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PeoplesTrust 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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