| 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
| 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 | Peoples Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.74% | 0.99% | 83rd | |
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% |
Peer lists, growth filters, CSV export, CRM push.
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% |
| 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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 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% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2025) · $72.4M branch deposits. Biggest market: Jackson, LA, ranked 3rd with 4.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jackson, LA | 1 | $72.4M | 4.78% | 3rd |
Louisiana: 143rd with 0.05% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1
Technology spend up 26% in 2025. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).