| Metric | Peoples Bank Co. | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +27.5% | +4.4% | +23.1 pts |
| Deposit growth (YoY) | +30.5% | +4.0% | +26.5 pts |
| Loan growth (YoY) | +26.6% | +5.6% | +21.0 pts |
| ROA | 0.73% | 1.24% | -0.5 pts |
| ROE | 8.9% | 11.9% | -3.0 pts |
ROA ranks in the 22nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $147.7M | $124.0M | $97.5M | $12.3M | $511K | 0.73% | 3.44% | 0.04% |
| Q1 2026 | $144.1M | $121.8M | $93.8M | $11.2M | $225K | 0.67% | 3.44% | 0.11% |
| Q4 2025 | $125.9M | $103.9M | $89.4M | $11.1M | $1.1M | 0.96% | 3.86% | 0.05% |
| Q3 2025 | $128.6M | $106.6M | $81.5M | $10.9M | $750K | 0.90% | 3.88% | 0.05% |
| Q2 2025 | $115.8M | $95.0M | $77.0M | $9.8M | $546K | 1.04% | 3.98% | 0.06% |
| Q1 2025 | $108.3M | $88.5M | $75.3M | $9.1M | $275K | 1.11% | 4.00% | 0.43% |
| Q4 2024 | $90.7M | $72.5M | $65.0M | $7.7M | $816K | 0.92% | 3.81% | 0.21% |
| Q3 2024 | $88.7M | $69.9M | $62.3M | $8.1M | $576K | 0.87% | 3.74% | 0.22% |
Loan mix (Q2 2026): real estate $77.0M · commercial $10.6M · consumer $919K · securities $27.7M
| Ratio | Peoples Bank Co. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.73% | 1.24% | 22th | |
Return on equity Annualized net income ÷ equity or net worth | 8.9% | 11.9% | 32th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.44% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.8% | 62.9% | 78th |
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 Co. | 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 Co. | 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 Co. | 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 Co. | 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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