Peoples Bank
Total assets
$86.1M
▼ -3.8% YoY
Deposits
$72.4M
▼ -5.8% YoY
Loans
$68.0M
▼ -2.5% YoY
Offices
1
HOMELAND BANCSHARES INC
ROA (annualized)
1.74%
peers 0.99%
ROE (annualized)
11.71%
peers 8.07%
Peer comparison 537 banks with <100M in assets
| Metric | Peoples Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.8% | +3.0% | -6.8 pts |
| Deposit growth (YoY) | -5.8% | +2.5% | -8.3 pts |
| Loan growth (YoY) | -2.5% | +2.6% | -5.2 pts |
| ROA | 1.74% | 0.99% | +0.7 pts |
| ROE | 11.7% | 8.1% | +3.6 pts |
ROA ranks in the 83rd percentile of its peer group · Q2 2026
Profile
- Established
- 1908
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- HOMELAND BANCSHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 6689 Highway 34, Chatham, LA, 71226
- County
- Jackson
- Offices
- 1
- FDIC cert #
- 9328
- RSSD ID
- 923257
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $86.1M | $72.4M | $68.0M | $13.2M | $755K | 1.74% | 4.97% | 1.15% |
| Q1 2026 | $87.2M | $73.8M | $67.7M | $12.9M | $299K | 1.37% | 4.32% | 1.30% |
| Q4 2025 | $86.8M | $73.8M | $66.3M | $12.6M | $1.0M | 1.18% | 4.71% | 0.74% |
| Q3 2025 | $89.0M | $75.3M | $69.1M | $13.0M | $1.4M | 2.11% | 4.76% | 1.65% |
| Q2 2025 | $89.5M | $76.8M | $69.8M | $12.0M | $494K | 1.11% | 4.13% | 3.29% |
| Q1 2025 | $90.3M | $77.8M | $70.8M | $11.8M | $220K | 0.99% | 3.83% | 3.62% |
| Q4 2024 | $88.2M | $76.1M | $69.8M | $11.6M | $-824K | -0.96% | 3.78% | 3.35% |
| Q3 2024 | $84.8M | $72.3M | $67.0M | $11.7M | $-674K | -1.06% | 3.72% | 3.60% |
Loan mix (Q2 2026): real estate $54.7M · commercial $12.1M · consumer $2.3M · securities $1.8M
Ratio pack Q2 2026 · peer medians from 537 institutions
Profitability
| Ratio | Peoples Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.74% | 0.99% | 83th | |
Return on equity Annualized net income ÷ equity or net worth | 11.7% | 8.1% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.97% | 3.88% | 86th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.8% | 70.8% | 26th | |
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% |
Balance sheet
| 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% |
Capital
| 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% |
Credit quality
| 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% |
Franchise
| Ratio | Peoples Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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