| Metric | Peoples State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.8% | +4.4% | -0.6 pts |
| Deposit growth (YoY) | +1.4% | +4.0% | -2.5 pts |
| Loan growth (YoY) | +14.4% | +5.6% | +8.9 pts |
| ROA | 0.99% | 1.24% | -0.2 pts |
| ROE | 12.2% | 11.9% | +0.3 pts |
ROA ranks in the 34th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $286.5M | $256.8M | $225.5M | $24.1M | $1.4M | 0.99% | 4.29% | 0.47% |
| Q1 2026 | $304.4M | $279.3M | $216.5M | $23.6M | $683K | 0.94% | 4.13% | 0.10% |
| Q4 2025 | $279.9M | $255.3M | $208.2M | $23.0M | $2.5M | 0.91% | 3.95% | 0.13% |
| Q3 2025 | $281.8M | $257.1M | $199.6M | $22.4M | $1.8M | 0.89% | 3.86% | 0.10% |
| Q2 2025 | $276.0M | $253.2M | $197.0M | $21.0M | $1.0M | 0.76% | 3.78% | 0.12% |
| Q1 2025 | $270.8M | $248.9M | $192.1M | $20.3M | $446K | 0.66% | 3.64% | 0.34% |
| Q4 2024 | $266.1M | $245.3M | $185.3M | $19.4M | $1.3M | 0.56% | 3.09% | 0.28% |
| Q3 2024 | $231.7M | $217.3M | $161.1M | $13.2M | $627K | 0.38% | 2.94% | 0.21% |
Loan mix (Q2 2026): real estate $200.0M · commercial $8.6M · consumer $13.6M · securities $39.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Peoples State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.99% | 1.24% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 12.2% | 11.9% | 52th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.29% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.1% | 62.9% | 66th |
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 |
|---|---|---|---|---|
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% |
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