| Metric | Peoples Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.4% | +4.4% | +7.1 pts |
| Deposit growth (YoY) | +9.1% | +4.0% | +5.1 pts |
| Loan growth (YoY) | +20.4% | +5.6% | +14.8 pts |
| ROA | 1.46% | 1.24% | +0.2 pts |
| ROE | 11.8% | 11.9% | -0.0 pts |
ROA ranks in the 64th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $445.3M | $376.4M | $356.9M | $54.2M | $3.1M | 1.46% | 5.11% | 0.31% |
| Q1 2026 | $428.9M | $369.3M | $329.5M | $53.1M | $1.9M | 1.76% | 5.28% | 0.85% |
| Q4 2025 | $410.7M | $357.1M | $302.8M | $51.5M | $6.2M | 1.55% | 5.14% | 0.90% |
| Q3 2025 | $402.5M | $348.4M | $299.9M | $51.2M | $4.9M | 1.63% | 5.16% | 0.17% |
| Q2 2025 | $399.6M | $345.1M | $296.5M | $49.2M | $3.4M | 1.69% | 5.16% | 0.28% |
| Q1 2025 | $406.8M | $355.4M | $296.6M | $47.9M | $1.8M | 1.76% | 5.13% | 0.45% |
| Q4 2024 | $396.4M | $342.9M | $304.9M | $46.2M | $7.5M | 2.00% | 5.77% | 0.21% |
| Q3 2024 | $379.0M | $320.5M | $300.8M | $45.8M | $5.8M | 2.07% | 5.82% | 0.29% |
Loan mix (Q2 2026): real estate $232.2M · commercial $104.5M · consumer $15.2M · securities $23.2M
| Ratio | Peoples Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.46% | 1.24% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 11.8% | 11.9% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.11% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.6% | 62.9% | 31th |
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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