| Metric | Peoples Exchange Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.9% | +4.9% | -2.0 pts |
| Deposit growth (YoY) | +2.1% | +4.3% | -2.2 pts |
| Loan growth (YoY) | +5.6% | +5.3% | +0.2 pts |
| ROA | 1.26% | 1.28% | -0.0 pts |
| ROE | 13.5% | 12.4% | +1.1 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 | $609.8M | $522.7M | $512.2M | $59.2M | $3.9M | 1.26% | 4.20% | 0.15% |
| Q1 2026 | $626.9M | $540.1M | $501.2M | $57.5M | $1.9M | 1.22% | 4.05% | 0.17% |
| Q4 2025 | $614.5M | $530.8M | $492.2M | $56.5M | $6.3M | 1.07% | 3.96% | 0.14% |
| Q3 2025 | $606.8M | $523.4M | $485.7M | $54.8M | $4.6M | 1.04% | 3.90% | 0.10% |
| Q2 2025 | $592.5M | $512.0M | $485.1M | $52.7M | $2.9M | 0.99% | 3.87% | 0.08% |
| Q1 2025 | $581.7M | $486.0M | $476.3M | $51.4M | $1.2M | 0.87% | 3.82% | 0.00% |
| Q4 2024 | $554.3M | $460.4M | $452.5M | $50.1M | $4.5M | 0.82% | 3.53% | 0.05% |
| Q3 2024 | $543.1M | $457.0M | $434.0M | $50.2M | $3.1M | 0.75% | 3.43% | 0.00% |
Loan mix (Q2 2026): real estate $491.3M · commercial $11.5M · consumer $6.9M · securities $46.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Peoples Exchange Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.26% | 1.28% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 13.5% | 12.4% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.20% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.0% | 61.2% | 53th |
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 |
|---|---|---|---|---|
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% |
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