| Metric | Peoples Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.7% | +4.4% | +3.4 pts |
| Deposit growth (YoY) | +13.0% | +4.0% | +9.1 pts |
| Loan growth (YoY) | +7.2% | +5.6% | +1.6 pts |
| ROA | 1.83% | 1.24% | +0.6 pts |
| ROE | 22.1% | 11.9% | +10.3 pts |
ROA ranks in the 81st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $185.4M | $168.4M | $146.7M | $15.3M | $1.7M | 1.83% | 4.04% | 0.20% |
| Q1 2026 | $184.7M | $168.3M | $141.2M | $15.0M | $809K | 1.79% | 3.99% | 0.07% |
| Q4 2025 | $177.3M | $161.1M | $144.4M | $15.0M | $3.0M | 1.73% | 3.99% | 0.24% |
| Q3 2025 | $174.1M | $158.3M | $138.7M | $14.5M | $2.1M | 1.67% | 3.92% | 0.21% |
| Q2 2025 | $172.1M | $149.0M | $136.9M | $14.0M | $1.4M | 1.63% | 3.91% | 0.27% |
| Q1 2025 | $171.9M | $157.1M | $132.6M | $13.5M | $640K | 1.51% | 3.77% | 0.17% |
| Q4 2024 | $167.3M | $153.3M | $128.8M | $13.0M | $2.2M | 1.31% | 3.48% | 0.18% |
| Q3 2024 | $164.6M | $149.8M | $127.3M | $13.7M | $1.6M | 1.24% | 3.41% | 0.18% |
Loan mix (Q2 2026): real estate $138.8M · commercial $7.7M · consumer $1.2M · securities $19.5M
| Ratio | Peoples Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.83% | 1.24% | 81th | |
Return on equity Annualized net income ÷ equity or net worth | 22.1% | 11.9% | 93th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.04% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.6% | 62.9% | 37th |
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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