| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.2% | +4.9% | +0.3 pts |
| Deposit growth (YoY) | +5.8% | +4.3% | +1.4 pts |
| Loan growth (YoY) | +5.2% | +5.3% | -0.2 pts |
| ROA | 1.56% | 1.28% | +0.3 pts |
| ROE | 18.4% | 12.4% | +6.0 pts |
ROA ranks in the 67th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $908.3M | $799.3M | $489.4M | $79.4M | $7.1M | 1.56% | 3.48% | 1.24% |
| Q1 2026 | $904.9M | $800.6M | $486.6M | $75.5M | $3.6M | 1.56% | 3.43% | 1.27% |
| Q4 2025 | $914.4M | $807.9M | $488.1M | $76.5M | $12.5M | 1.42% | 3.39% | 0.66% |
| Q3 2025 | $863.9M | $752.0M | $469.9M | $74.2M | $9.9M | 1.51% | 3.38% | 0.73% |
| Q2 2025 | $863.0M | $755.7M | $465.4M | $69.3M | $6.0M | 1.37% | 3.32% | 0.10% |
| Q1 2025 | $890.1M | $786.8M | $467.3M | $66.4M | $2.8M | 1.25% | 3.19% | 0.08% |
| Q4 2024 | $870.2M | $771.3M | $442.3M | $62.1M | $10.3M | 1.24% | 3.19% | 0.04% |
| Q3 2024 | $825.4M | $719.2M | $432.2M | $66.4M | $7.2M | 1.17% | 3.21% | 0.03% |
Loan mix (Q2 2026): real estate $404.4M · commercial $51.1M · consumer $13.0M · securities $305.8M
| Ratio | Peoples Bank & Trust Co. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.56% | 1.28% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 18.4% | 12.4% | 83th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.48% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.8% | 61.2% | 22th |
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 Co. | 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 Co. | 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 Co. | 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 Co. | 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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