| Metric | PEOPLES BANK | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.5% | +4.4% | +9.1 pts |
| Deposit growth (YoY) | +13.8% | +4.0% | +9.9 pts |
| Loan growth (YoY) | +18.7% | +5.6% | +13.1 pts |
| ROA | 1.82% | 1.24% | +0.6 pts |
| ROE | 14.4% | 11.9% | +2.6 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 | $313.8M | $272.1M | $165.3M | $39.1M | $2.8M | 1.82% | 4.30% | 0.02% |
| Q1 2026 | $303.7M | $263.3M | $155.2M | $37.9M | $1.3M | 1.80% | 4.26% | 0.01% |
| Q4 2025 | $289.7M | $249.8M | $151.3M | $37.4M | $4.9M | 1.76% | 4.37% | 0.00% |
| Q3 2025 | $287.7M | $248.3M | $150.8M | $36.7M | $3.7M | 1.80% | 4.33% | 0.00% |
| Q2 2025 | $276.4M | $239.1M | $139.2M | $34.8M | $2.4M | 1.78% | 4.26% | 0.02% |
| Q1 2025 | $277.3M | $241.3M | $132.1M | $33.5M | $1.2M | 1.72% | 4.16% | 0.02% |
| Q4 2024 | $265.2M | $231.2M | $130.8M | $31.6M | $4.0M | 1.66% | 4.19% | 0.02% |
| Q3 2024 | $253.8M | $218.4M | $125.2M | $33.0M | $3.0M | 1.70% | 4.20% | 0.02% |
Loan mix (Q2 2026): real estate $124.8M · commercial $29.0M · consumer $8.1M · securities $108.5M
| Ratio | PEOPLES BANK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.82% | 1.24% | 81th | |
Return on equity Annualized net income ÷ equity or net worth | 14.4% | 11.9% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.30% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 42.1% | 62.9% | 5th |
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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