| Metric | Peoples Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.0% | +4.4% | -4.3 pts |
| Deposit growth (YoY) | -1.1% | +4.0% | -5.1 pts |
| Loan growth (YoY) | +7.0% | +5.6% | +1.4 pts |
| ROA | 1.75% | 1.24% | +0.5 pts |
| ROE | 21.7% | 11.9% | +9.9 pts |
ROA ranks in the 78th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $248.7M | $227.1M | $170.4M | $20.5M | $2.2M | 1.75% | 4.04% | 0.16% |
| Q1 2026 | $249.2M | $228.6M | $166.0M | $19.6M | $1.1M | 1.71% | 3.88% | 0.16% |
| Q4 2025 | $250.9M | $229.5M | $162.9M | $20.3M | $3.9M | 1.59% | 3.87% | 0.15% |
| Q3 2025 | $240.7M | $219.8M | $164.9M | $19.6M | $3.1M | 1.66% | 3.83% | 0.19% |
| Q2 2025 | $248.6M | $229.7M | $159.3M | $17.7M | $1.9M | 1.55% | 3.70% | 0.15% |
| Q1 2025 | $246.4M | $228.1M | $161.2M | $17.4M | $921K | 1.50% | 3.58% | 0.40% |
| Q4 2024 | $245.0M | $227.1M | $163.8M | $16.8M | $3.0M | 1.20% | 3.37% | 0.41% |
| Q3 2024 | $239.9M | $219.6M | $160.7M | $19.1M | $2.2M | 1.19% | 3.33% | 0.42% |
Loan mix (Q2 2026): real estate $157.9M · commercial $6.9M · consumer $4.2M · securities $55.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Peoples Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.75% | 1.24% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 21.7% | 11.9% | 92th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.04% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.2% | 62.9% | 48th |
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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