| Metric | Peoples State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.8% | +4.4% | -11.1 pts |
| Deposit growth (YoY) | -8.4% | +4.0% | -12.4 pts |
| Loan growth (YoY) | -5.2% | +5.6% | -10.8 pts |
| ROA | 1.81% | 1.24% | +0.6 pts |
| ROE | 19.8% | 11.9% | +7.9 pts |
ROA ranks in the 80th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $140.0M | $126.5M | $45.3M | $13.2M | $1.3M | 1.81% | 3.03% | 0.03% |
| Q1 2026 | $142.6M | $129.4M | $44.0M | $12.9M | $625K | 1.72% | 2.89% | 0.03% |
| Q4 2025 | $147.8M | $134.3M | $44.7M | $13.3M | $2.5M | 1.63% | 2.82% | 0.04% |
| Q3 2025 | $145.6M | $132.7M | $44.5M | $12.5M | $1.9M | 1.61% | 2.79% | 0.04% |
| Q2 2025 | $150.1M | $138.1M | $47.8M | $11.6M | $1.2M | 1.56% | 2.75% | 0.03% |
| Q1 2025 | $146.5M | $135.6M | $48.5M | $10.6M | $604K | 1.47% | 2.66% | 0.03% |
| Q4 2024 | $183.1M | $173.0M | $49.2M | $9.8M | $1.9M | 1.32% | 2.75% | 0.00% |
| Q3 2024 | $135.0M | $124.2M | $50.0M | $10.5M | $1.5M | 1.48% | 2.99% | 0.00% |
Loan mix (Q2 2026): real estate $39.0M · commercial $1.8M · consumer $2.4M · securities $79.7M
| Ratio | Peoples State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.81% | 1.24% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 19.8% | 11.9% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.03% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 39.4% | 62.9% | 3rd |
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.
2 branches in 2 counties across 1 state (+0 vs 2025) · $126.5M branch deposits. Biggest market: Edwards, TX, ranked 1st with 100.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Edwards, TX | 1 | $117.6M | 100.00% | 1st |
| Kerr, TX | 1 | $8.9M | 0.43% | 17th |
Texas: 486th with 0.01% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2
Spends about half what peers do on technology. 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).