| Metric | Peoples Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.6% | +4.4% | -4.9 pts |
| Deposit growth (YoY) | -3.5% | +4.0% | -7.5 pts |
| Loan growth (YoY) | -2.5% | +5.6% | -8.1 pts |
| ROA | 0.81% | 1.24% | -0.4 pts |
| ROE | 9.4% | 11.9% | -2.5 pts |
ROA ranks in the 26th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $189.1M | $142.0M | $142.2M | $16.5M | $761K | 0.81% | 3.30% | 0.91% |
| Q1 2026 | $183.6M | $145.9M | $137.8M | $16.2M | $383K | 0.82% | 3.22% | 0.17% |
| Q4 2025 | $190.3M | $149.9M | $139.7M | $16.0M | $1.3M | 0.71% | 3.03% | 0.50% |
| Q3 2025 | $187.9M | $146.7M | $143.6M | $15.4M | $952K | 0.68% | 3.05% | 0.39% |
| Q2 2025 | $190.2M | $147.1M | $145.8M | $14.5M | $555K | 0.60% | 2.99% | 0.36% |
| Q1 2025 | $187.7M | $152.7M | $143.5M | $14.5M | $293K | 0.64% | 2.96% | 0.29% |
| Q4 2024 | $180.3M | $139.5M | $138.9M | $14.2M | $973K | 0.56% | 2.87% | 0.31% |
| Q3 2024 | $176.0M | $129.4M | $131.9M | $14.6M | $663K | 0.51% | 2.88% | 0.38% |
Loan mix (Q2 2026): real estate $81.0M · commercial $23.3M · consumer $4.3M · securities $35.2M
| Ratio | Peoples Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.81% | 1.24% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 9.4% | 11.9% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.30% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.2% | 62.9% | 75th |
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 Savings 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 Savings 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 Savings 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 Savings 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 Savings 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.
3 branches in 2 counties across 1 state (+0 vs 2024) · $147.1M branch deposits. Biggest market: Grundy, IA, ranked 3rd with 14.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Grundy, IA | 2 | $136.6M | 14.21% | 3rd |
| Hardin, IA | 1 | $10.5M | 0.89% | 8th |
Iowa: 189th with 0.10% · Waterloo-Cedar Falls metro: 18th, 1.66% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3