| Metric | Peoples Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.0% | +4.4% | -3.4 pts |
| Deposit growth (YoY) | +0.4% | +4.0% | -3.5 pts |
| Loan growth (YoY) | +12.7% | +5.6% | +7.1 pts |
| ROA | 1.24% | 1.24% | +0.0 pts |
| ROE | 11.7% | 11.9% | -0.2 pts |
ROA ranks in the 51st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $192.4M | $170.3M | $113.1M | $21.0M | $1.2M | 1.24% | 4.01% | 3.06% |
| Q1 2026 | $193.8M | $172.2M | $113.7M | $20.4M | $601K | 1.26% | 3.92% | 3.04% |
| Q4 2025 | $188.8M | $167.7M | $107.0M | $19.9M | $2.0M | 1.06% | 4.04% | 2.71% |
| Q3 2025 | $192.9M | $172.1M | $102.4M | $19.3M | $1.1M | 0.80% | 3.93% | 0.01% |
| Q2 2025 | $190.4M | $169.5M | $100.4M | $19.8M | $1.2M | 1.33% | 4.14% | 0.00% |
| Q1 2025 | $181.3M | $161.1M | $94.2M | $19.2M | $611K | 1.37% | 4.15% | 0.06% |
| Q4 2024 | $176.4M | $157.3M | $92.7M | $18.5M | $2.3M | 1.41% | 4.23% | 0.06% |
| Q3 2024 | $161.9M | $142.8M | $94.8M | $18.3M | $1.7M | 1.46% | 4.29% | 0.07% |
Loan mix (Q2 2026): real estate $97.1M · commercial $11.1M · consumer $3.3M · securities $16.6M
| Ratio | Peoples Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.24% | 1.24% | 51st | |
Return on equity Annualized net income ÷ equity or net worth | 11.7% | 11.9% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.01% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.3% | 62.9% | 33rd |
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.
2 branches in 1 county across 1 state (+0 vs 2024) · $169.5M branch deposits. Biggest market: Toombs, GA, ranked 4th with 15.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Toombs, GA | 2 | $169.5M | 15.91% | 4th |
Georgia: 148th with 0.05% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2