| Metric | Peoples Exchange Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.4% | +3.0% | +0.4 pts |
| Deposit growth (YoY) | +2.5% | +2.5% | +0.1 pts |
| Loan growth (YoY) | -4.7% | +2.6% | -7.3 pts |
| ROA | 0.99% | 0.99% | -0.0 pts |
| ROE | 8.6% | 8.1% | +0.5 pts |
ROA ranks in the 49th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $98.6M | $86.6M | $52.4M | $11.4M | $482K | 0.99% | 4.00% | 1.63% |
| Q1 2026 | $97.7M | $85.8M | $52.3M | $11.2M | $199K | 0.82% | 3.86% | 1.33% |
| Q4 2025 | $97.1M | $85.4M | $52.7M | $11.0M | $712K | 0.74% | 4.09% | 1.30% |
| Q3 2025 | $95.6M | $83.8M | $53.9M | $10.8M | $439K | 0.61% | 4.06% | 1.80% |
| Q2 2025 | $95.3M | $84.5M | $54.9M | $10.2M | $263K | 0.55% | 3.99% | 1.85% |
| Q1 2025 | $97.1M | $86.4M | $54.5M | $10.1M | $111K | 0.46% | 3.94% | 1.75% |
| Q4 2024 | $93.9M | $83.7M | $54.8M | $9.7M | $392K | 0.40% | 3.74% | 1.93% |
| Q3 2024 | $98.9M | $88.1M | $58.1M | $10.3M | $182K | 0.25% | 3.59% | 1.93% |
Loan mix (Q2 2026): real estate $38.3M · commercial $10.3M · consumer $2.7M · securities $20.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Peoples Exchange Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.99% | 0.99% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 8.6% | 8.1% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.00% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.2% | 70.8% | 46th |
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 Exchange 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 Exchange Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Peoples Exchange 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 Exchange 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 Exchange Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2025) · $86.6M branch deposits. Biggest market: Monroe, AL, ranked 4th with 15.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Monroe, AL | 1 | $86.6M | 15.46% | 4th |
Alabama: 158th with 0.05% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1
Technology spend in line with peers (28 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).