| Metric | Peoples Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.0% | +5.5% | -5.5 pts |
| Deposit growth (YoY) | -2.3% | +5.1% | -7.3 pts |
| Loan growth (YoY) | +3.3% | +5.9% | -2.6 pts |
| ROA | 1.30% | 1.26% | +0.0 pts |
| ROE | 10.5% | 12.2% | -1.7 pts |
ROA ranks in the 55th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $9.53B | $7.51B | $6.75B | $1.21B | $62.7M | 1.30% | 4.28% | 0.43% |
| Q1 2026 | $9.64B | $7.70B | $6.70B | $1.19B | $31.9M | 1.32% | 4.21% | 0.41% |
| Q4 2025 | $9.64B | $7.75B | $6.68B | $1.18B | $120.5M | 1.27% | 4.25% | 0.44% |
| Q3 2025 | $9.61B | $7.88B | $6.66B | $1.18B | $84.6M | 1.20% | 4.24% | 0.47% |
| Q2 2025 | $9.53B | $7.68B | $6.53B | $1.16B | $52.3M | 1.12% | 4.20% | 0.49% |
| Q1 2025 | $9.23B | $7.77B | $6.37B | $1.15B | $28.1M | 1.22% | 4.19% | 0.50% |
| Q4 2024 | $9.24B | $7.64B | $6.30B | $1.12B | $130.6M | 1.42% | 4.32% | 0.53% |
| Q3 2024 | $9.12B | $7.52B | $6.21B | $1.13B | $100.6M | 1.46% | 4.33% | 0.76% |
Loan mix (Q2 2026): real estate $3.70B · commercial $1.91B · consumer $813.3M · securities $1.75B
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Peoples Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.30% | 1.26% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 10.5% | 12.2% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.28% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.1% | 59.0% | 40th |
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% |
The full ratio pack is part of CharterBench Pro.