| Metric | Peoples Community Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.1% | +4.9% | -0.8 pts |
| Deposit growth (YoY) | +2.4% | +4.3% | -2.0 pts |
| Loan growth (YoY) | +7.3% | +5.3% | +2.0 pts |
| ROA | 2.61% | 1.28% | +1.3 pts |
| ROE | 14.2% | 12.4% | +1.8 pts |
ROA ranks in the 96th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $735.2M | $599.8M | $493.4M | $131.3M | $9.4M | 2.61% | 4.65% | 0.85% |
| Q1 2026 | $723.5M | $584.7M | $487.0M | $135.3M | $5.1M | 2.84% | 4.63% | 1.08% |
| Q4 2025 | $707.4M | $572.1M | $480.9M | $131.8M | $16.8M | 2.39% | 4.54% | 1.06% |
| Q3 2025 | $704.8M | $576.1M | $472.4M | $126.9M | $12.9M | 2.43% | 4.48% | 1.16% |
| Q2 2025 | $706.4M | $585.9M | $459.6M | $118.6M | $7.7M | 2.19% | 4.37% | 1.22% |
| Q1 2025 | $712.0M | $588.6M | $456.2M | $121.6M | $2.9M | 1.66% | 4.24% | 0.76% |
| Q4 2024 | $693.4M | $572.4M | $451.4M | $119.4M | $15.5M | 2.27% | 4.13% | 0.70% |
| Q3 2024 | $688.2M | $567.7M | $455.6M | $118.7M | $11.7M | 2.30% | 4.07% | 0.72% |
Loan mix (Q2 2026): real estate $423.6M · commercial $27.5M · consumer $25.9M · securities $155.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Peoples Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.61% | 1.28% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 14.2% | 12.4% | 61th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.65% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 44.9% | 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 Community 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 Community 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 Community 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 Community 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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