| Metric | Peoples Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.2% | +4.4% | -0.2 pts |
| Deposit growth (YoY) | +4.5% | +4.0% | +0.5 pts |
| Loan growth (YoY) | +4.8% | +5.6% | -0.7 pts |
| ROA | 1.06% | 1.24% | -0.2 pts |
| ROE | 13.7% | 11.9% | +1.8 pts |
ROA ranks in the 38th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $193.7M | $173.3M | $161.7M | $15.3M | $1.0M | 1.06% | 4.13% | 2.15% |
| Q1 2026 | $195.3M | $169.0M | $161.9M | $14.7M | $480K | 1.01% | 4.07% | 0.57% |
| Q4 2025 | $186.0M | $163.0M | $156.9M | $14.5M | $2.1M | 1.15% | 4.03% | 0.62% |
| Q3 2025 | $189.5M | $166.9M | $161.0M | $13.9M | $1.4M | 1.05% | 3.87% | 0.35% |
| Q2 2025 | $186.0M | $165.8M | $154.2M | $13.2M | $924K | 1.03% | 3.84% | 0.10% |
| Q1 2025 | $185.9M | $164.4M | $148.5M | $13.1M | $500K | 1.13% | 3.83% | 0.00% |
| Q4 2024 | $168.3M | $151.3M | $140.7M | $12.5M | $1.6M | 0.93% | 3.57% | 0.16% |
| Q3 2024 | $170.2M | $153.8M | $136.0M | $13.1M | $1.2M | 0.96% | 3.57% | 0.20% |
Loan mix (Q2 2026): real estate $122.0M · commercial $37.8M · consumer $2.5M · securities $21.9M
| Ratio | Peoples Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.06% | 1.24% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 13.7% | 11.9% | 61th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.13% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.4% | 62.9% | 51th |
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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