| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.1% | +5.5% | -5.4 pts |
| Deposit growth (YoY) | -1.4% | +5.1% | -6.4 pts |
| Loan growth (YoY) | +4.9% | +5.9% | -1.0 pts |
| ROA | 1.93% | 1.26% | +0.7 pts |
| ROE | 19.2% | 12.2% | +7.0 pts |
ROA ranks in the 86th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.42B | $1.27B | $908.0M | $143.7M | $13.7M | 1.93% | 4.60% | 0.38% |
| Q1 2026 | $1.43B | $1.28B | $908.8M | $143.1M | $6.5M | 1.84% | 4.53% | 0.33% |
| Q4 2025 | $1.41B | $1.25B | $889.3M | $142.1M | $27.9M | 1.98% | 4.62% | 0.15% |
| Q3 2025 | $1.42B | $1.28B | $877.0M | $134.7M | $20.6M | 1.96% | 4.59% | 0.12% |
| Q2 2025 | $1.42B | $1.29B | $865.7M | $125.0M | $13.5M | 1.94% | 4.57% | 0.14% |
| Q1 2025 | $1.42B | $1.29B | $862.9M | $122.5M | $6.4M | 1.86% | 4.46% | 0.14% |
| Q4 2024 | $1.35B | $1.22B | $859.6M | $118.8M | $24.5M | 1.86% | 4.67% | 0.13% |
| Q3 2024 | $1.35B | $1.21B | $846.4M | $119.4M | $18.4M | 1.87% | 4.67% | 0.10% |
Loan mix (Q2 2026): real estate $695.8M · commercial $194.0M · consumer $12.1M · securities $215.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Peoples Bank of Alabama | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.93% | 1.26% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 19.2% | 12.2% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.60% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.4% | 59.0% | 58th |
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 of Alabama | 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 of Alabama | 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 of Alabama | 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 of Alabama | 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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