| Metric | Peoples Bank & Trust | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.7% | +4.9% | -3.2 pts |
| Deposit growth (YoY) | -0.0% | +4.3% | -4.3 pts |
| Loan growth (YoY) | +19.6% | +5.3% | +14.2 pts |
| ROA | 1.41% | 1.28% | +0.1 pts |
| ROE | 15.6% | 12.4% | +3.1 pts |
ROA ranks in the 58th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $563.3M | $505.0M | $292.5M | $54.0M | $4.0M | 1.41% | 3.86% | 0.08% |
| Q1 2026 | $582.4M | $527.9M | $270.4M | $50.5M | $2.0M | 1.40% | 3.67% | 0.20% |
| Q4 2025 | $547.8M | $494.8M | $256.6M | $49.3M | $6.9M | 1.25% | 3.63% | 0.22% |
| Q3 2025 | $559.0M | $506.0M | $244.2M | $48.7M | $5.0M | 1.20% | 3.62% | 0.08% |
| Q2 2025 | $554.1M | $505.0M | $244.6M | $45.1M | $3.4M | 1.25% | 3.66% | 0.08% |
| Q1 2025 | $558.5M | $511.5M | $246.2M | $43.2M | $1.6M | 1.16% | 3.58% | 0.08% |
| Q4 2024 | $525.6M | $481.5M | $257.3M | $40.7M | $6.0M | 1.13% | 3.53% | 0.09% |
| Q3 2024 | $521.4M | $475.9M | $243.6M | $41.7M | $4.2M | 1.07% | 3.46% | 0.20% |
Loan mix (Q2 2026): real estate $278.2M · commercial $15.5M · consumer $2.8M · securities $203.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Peoples Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.41% | 1.28% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 15.6% | 12.4% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.86% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.1% | 61.2% | 12th |
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 & Trust | 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 & Trust | 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 & Trust | 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 & Trust | 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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