| Metric | Peoples Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.7% | +5.5% | +7.2 pts |
| Deposit growth (YoY) | +11.2% | +5.1% | +6.1 pts |
| Loan growth (YoY) | +14.8% | +5.9% | +8.9 pts |
| ROA | 2.10% | 1.26% | +0.8 pts |
| ROE | 19.2% | 12.2% | +7.0 pts |
ROA ranks in the 91st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.25B | $1.05B | $1.07B | $138.7M | $12.8M | 2.10% | 4.09% | 0.76% |
| Q1 2026 | $1.22B | $1.03B | $1.04B | $132.2M | $6.1M | 2.02% | 4.04% | 0.82% |
| Q4 2025 | $1.18B | $1.00B | $991.6M | $129.1M | $21.2M | 1.90% | 3.99% | 0.95% |
| Q3 2025 | $1.15B | $953.9M | $961.3M | $124.5M | $15.9M | 1.93% | 3.97% | 0.84% |
| Q2 2025 | $1.11B | $942.5M | $931.0M | $118.0M | $10.2M | 1.88% | 3.91% | 0.78% |
| Q1 2025 | $1.08B | $936.8M | $905.3M | $115.3M | $4.7M | 1.77% | 3.81% | 0.89% |
| Q4 2024 | $1.06B | $931.2M | $866.8M | $114.3M | $14.9M | 1.51% | 3.66% | 0.63% |
| Q3 2024 | $1.01B | $882.2M | $821.3M | $114.3M | $12.0M | 1.65% | 3.65% | 0.74% |
Loan mix (Q2 2026): real estate $452.5M · commercial $164.8M · consumer $13.4M · securities $117.1M
| Ratio | Peoples Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.10% | 1.26% | 91th | |
Return on equity Annualized net income ÷ equity or net worth | 19.2% | 12.2% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.09% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.0% | 59.0% | 19th |
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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