| Metric | Peoples Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.2% | +5.5% | -5.3 pts |
| Deposit growth (YoY) | -0.7% | +5.1% | -5.8 pts |
| Loan growth (YoY) | -2.5% | +5.9% | -8.4 pts |
| ROA | 0.96% | 1.26% | -0.3 pts |
| ROE | 7.4% | 12.2% | -4.7 pts |
ROA ranks in the 27th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.42B | $2.08B | $1.91B | $322.5M | $11.8M | 0.96% | 4.06% | 0.12% |
| Q1 2026 | $2.51B | $2.18B | $1.92B | $316.2M | $5.2M | 0.84% | 3.97% | 0.10% |
| Q4 2025 | $2.46B | $2.13B | $1.95B | $314.0M | $24.5M | 1.00% | 4.09% | 0.09% |
| Q3 2025 | $2.47B | $2.14B | $1.95B | $309.0M | $17.5M | 0.95% | 4.06% | 0.10% |
| Q2 2025 | $2.41B | $2.10B | $1.95B | $301.7M | $10.4M | 0.86% | 3.92% | 0.15% |
| Q1 2025 | $2.43B | $2.12B | $1.92B | $296.1M | $5.0M | 0.81% | 3.85% | 0.14% |
| Q4 2024 | $2.47B | $2.15B | $1.92B | $300.8M | $20.8M | 0.86% | 3.74% | 0.11% |
| Q3 2024 | $2.42B | $2.11B | $1.91B | $293.0M | $12.3M | 0.68% | 3.70% | 0.12% |
Loan mix (Q2 2026): real estate $1.57B · commercial $108.3M · consumer $181.6M · securities $100.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Peoples Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.96% | 1.26% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 7.4% | 12.2% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.06% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.7% | 59.0% | 85th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Peoples Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Peoples Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Peoples Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Peoples Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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