| Metric | Peoples State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.3% | +5.5% | -5.7 pts |
| Deposit growth (YoY) | +0.0% | +5.1% | -5.0 pts |
| Loan growth (YoY) | +2.2% | +5.9% | -3.7 pts |
| ROA | 1.10% | 1.26% | -0.2 pts |
| ROE | 11.6% | 12.2% | -0.6 pts |
ROA ranks in the 37th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.50B | $1.19B | $1.13B | $143.9M | $8.2M | 1.10% | 3.59% | 1.08% |
| Q1 2026 | $1.49B | $1.20B | $1.12B | $139.3M | $3.8M | 1.03% | 3.58% | 1.04% |
| Q4 2025 | $1.46B | $1.19B | $1.10B | $138.2M | $15.1M | 1.02% | 3.33% | 1.13% |
| Q3 2025 | $1.50B | $1.20B | $1.12B | $136.3M | $10.8M | 0.98% | 3.25% | 1.11% |
| Q2 2025 | $1.51B | $1.19B | $1.11B | $130.8M | $7.0M | 0.94% | 3.18% | 1.04% |
| Q1 2025 | $1.46B | $1.14B | $1.10B | $128.7M | $2.9M | 0.79% | 3.14% | 0.88% |
| Q4 2024 | $1.47B | $1.16B | $1.08B | $123.1M | $11.5M | 0.79% | 3.01% | 0.70% |
| Q3 2024 | $1.48B | $1.15B | $1.06B | $125.8M | $8.1M | 0.74% | 2.94% | 0.69% |
Loan mix (Q2 2026): real estate $979.9M · commercial $150.9M · consumer $4.8M · securities $241.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Peoples State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.10% | 1.26% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 11.6% | 12.2% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.59% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.2% | 59.0% | 63th |
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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