| Metric | Peoples Bank & Trust | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.1% | +4.9% | +6.1 pts |
| Deposit growth (YoY) | +6.6% | +4.3% | +2.3 pts |
| Loan growth (YoY) | +9.2% | +5.3% | +3.8 pts |
| ROA | 2.16% | 1.28% | +0.9 pts |
| ROE | 22.1% | 12.4% | +9.7 pts |
ROA ranks in the 90th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $656.6M | $522.2M | $418.6M | $69.9M | $6.8M | 2.16% | 5.15% | 1.02% |
| Q1 2026 | $611.5M | $497.4M | $412.2M | $57.9M | $3.0M | 1.96% | 4.86% | 0.79% |
| Q4 2025 | $618.1M | $501.1M | $415.8M | $56.5M | $9.6M | 1.59% | 4.88% | 0.79% |
| Q3 2025 | $625.1M | $525.6M | $400.0M | $57.2M | $8.0M | 1.78% | 4.88% | 0.75% |
| Q2 2025 | $591.3M | $489.8M | $383.4M | $60.2M | $6.0M | 2.03% | 4.98% | 0.88% |
| Q1 2025 | $592.2M | $477.5M | $393.9M | $61.1M | $2.9M | 1.97% | 4.90% | 0.97% |
| Q4 2024 | $592.3M | $481.4M | $408.1M | $60.0M | $8.4M | 1.42% | 4.72% | 0.40% |
| Q3 2024 | $614.3M | $498.8M | $399.5M | $60.8M | $8.3M | 1.90% | 4.57% | 0.96% |
Loan mix (Q2 2026): real estate $193.2M · commercial $150.6M · consumer $4.7M · securities $184.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Peoples Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.16% | 1.28% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 22.1% | 12.4% | 92th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.15% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 44.0% | 61.2% | 9th |
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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