| Metric | Peoples State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.5% | +3.0% | -1.5 pts |
| Deposit growth (YoY) | +1.3% | +2.5% | -1.2 pts |
| Loan growth (YoY) | -3.5% | +2.6% | -6.1 pts |
| ROA | 1.24% | 0.99% | +0.2 pts |
| ROE | 9.7% | 8.1% | +1.7 pts |
ROA ranks in the 65th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $13.9M | $12.1M | $9.7M | $1.8M | $87K | 1.24% | 6.38% | 0.00% |
| Q1 2026 | $14.4M | $12.6M | $10.1M | $1.8M | $46K | 1.31% | 6.51% | 0.00% |
| Q4 2025 | $13.6M | $11.9M | $9.8M | $1.8M | $231K | 1.64% | 6.54% | 0.00% |
| Q3 2025 | $13.4M | $11.6M | $10.3M | $1.8M | $200K | 1.88% | 6.58% | 0.00% |
| Q2 2025 | $13.7M | $11.9M | $10.0M | $1.8M | $132K | 1.82% | 6.52% | 0.00% |
| Q1 2025 | $14.6M | $12.9M | $10.4M | $1.7M | $65K | 1.75% | 6.25% | 0.00% |
| Q4 2024 | $15.1M | $13.4M | $10.3M | $1.7M | $188K | 1.24% | 7.02% | 0.00% |
| Q3 2024 | $14.1M | $12.5M | $10.2M | $1.6M | $118K | 1.04% | 7.13% | 0.00% |
Loan mix (Q2 2026): real estate $2.5M · commercial $3.5M · consumer $1.1M · securities $1.3M
| Ratio | Peoples State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.24% | 0.99% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 9.7% | 8.1% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.38% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.7% | 70.8% | 71st |
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 State 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 State 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 State 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 State 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 State 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) · $12.1M branch deposits. Biggest market: Jackson, OK, ranked 9th with 1.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jackson, OK | 1 | $12.1M | 1.67% | 9th |
Oklahoma: 242nd with 0.01% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1
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).