| Metric | Peoples Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.2% | +5.5% | -1.3 pts |
| Deposit growth (YoY) | +3.5% | +5.1% | -1.5 pts |
| Loan growth (YoY) | +10.5% | +5.9% | +4.6 pts |
| ROA | 1.18% | 1.26% | -0.1 pts |
| ROE | 11.9% | 12.2% | -0.3 pts |
ROA ranks in the 43rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.76B | $1.57B | $1.27B | $174.6M | $10.3M | 1.18% | 3.86% | 0.29% |
| Q1 2026 | $1.73B | $1.54B | $1.23B | $171.3M | $4.7M | 1.09% | 3.78% | 0.28% |
| Q4 2025 | $1.70B | $1.51B | $1.20B | $170.4M | $21.1M | 1.24% | 3.76% | 0.25% |
| Q3 2025 | $1.74B | $1.55B | $1.17B | $162.8M | $14.2M | 1.12% | 3.72% | 0.29% |
| Q2 2025 | $1.69B | $1.52B | $1.15B | $157.4M | $10.2M | 1.21% | 3.68% | 0.28% |
| Q1 2025 | $1.69B | $1.52B | $1.14B | $151.9M | $4.7M | 1.12% | 3.62% | 0.30% |
| Q4 2024 | $1.65B | $1.49B | $1.13B | $144.1M | $17.8M | 1.07% | 3.57% | 0.29% |
| Q3 2024 | $1.66B | $1.48B | $1.11B | $149.8M | $13.9M | 1.12% | 3.54% | 0.24% |
Loan mix (Q2 2026): real estate $1.18B · commercial $65.6M · consumer $14.2M · securities $364.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Peoples Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.18% | 1.26% | 43th | |
Return on equity Annualized net income ÷ equity or net worth | 11.9% | 12.2% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.86% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.9% | 59.0% | 77th |
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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