| Metric | Peoples State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.1% | +3.0% | -4.0 pts |
| Deposit growth (YoY) | -1.7% | +2.5% | -4.2 pts |
| Loan growth (YoY) | +6.4% | +2.6% | +3.8 pts |
| ROA | 1.39% | 0.99% | +0.4 pts |
| ROE | 10.9% | 8.1% | +2.8 pts |
ROA ranks in the 71st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $69.9M | $60.7M | $39.2M | $9.1M | $490K | 1.39% | 3.77% | 0.00% |
| Q1 2026 | $70.6M | $61.7M | $35.7M | $8.8M | $206K | 1.16% | 3.74% | 0.00% |
| Q4 2025 | $71.6M | $62.4M | $42.9M | $9.1M | $836K | 1.18% | 3.70% | 0.00% |
| Q3 2025 | $71.5M | $59.6M | $41.9M | $8.8M | $649K | 1.22% | 3.59% | 0.00% |
| Q2 2025 | $70.7M | $61.8M | $36.8M | $8.8M | $393K | 1.12% | 3.46% | 0.00% |
| Q1 2025 | $70.2M | $61.7M | $31.6M | $8.4M | $149K | 0.85% | 3.38% | 0.00% |
| Q4 2024 | $70.6M | $62.5M | $38.5M | $8.0M | $729K | 1.02% | 3.34% | 0.00% |
| Q3 2024 | $69.7M | $61.0M | $37.6M | $8.6M | $622K | 1.15% | 3.26% | 0.00% |
Loan mix (Q2 2026): real estate $19.9M · commercial $2.0M · consumer $1.1M · securities $12.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Peoples State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.39% | 0.99% | 71th | |
Return on equity Annualized net income ÷ equity or net worth | 10.9% | 8.1% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.77% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.7% | 70.8% | 33th |
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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