| Metric | Peoples State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.4% | +4.4% | -1.0 pts |
| Deposit growth (YoY) | -0.7% | +4.0% | -4.7 pts |
| Loan growth (YoY) | +13.1% | +5.6% | +7.5 pts |
| ROA | 1.36% | 1.24% | +0.1 pts |
| ROE | 16.1% | 11.9% | +4.3 pts |
ROA ranks in the 58th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $181.2M | $149.7M | $100.9M | $15.9M | $1.3M | 1.36% | 4.37% | 0.70% |
| Q1 2026 | $182.5M | $161.2M | $99.3M | $15.6M | $646K | 1.40% | 4.36% | 0.70% |
| Q4 2025 | $187.4M | $162.8M | $96.1M | $15.1M | $1.8M | 1.01% | 4.20% | 0.68% |
| Q3 2025 | $176.0M | $148.4M | $93.3M | $14.2M | $1.1M | 0.84% | 4.12% | 0.00% |
| Q2 2025 | $175.2M | $150.8M | $89.2M | $13.2M | $972K | 1.12% | 4.10% | 0.00% |
| Q1 2025 | $176.5M | $163.3M | $82.7M | $12.6M | $525K | 1.22% | 4.12% | 0.02% |
| Q4 2024 | $167.1M | $155.3M | $77.6M | $11.4M | $1.9M | 1.11% | 4.01% | 0.00% |
| Q3 2024 | $171.6M | $158.4M | $75.0M | $12.4M | $1.5M | 1.16% | 4.01% | 0.03% |
Loan mix (Q2 2026): real estate $93.4M · commercial $3.1M · consumer $5.4M · securities $61.7M
| Ratio | Peoples State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.36% | 1.24% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 16.1% | 11.9% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.37% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.9% | 62.9% | 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 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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