| Metric | PeoplesSouth Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +5.5% | +1.0 pts |
| Deposit growth (YoY) | +4.3% | +5.1% | -0.7 pts |
| Loan growth (YoY) | +9.8% | +5.9% | +3.8 pts |
| ROA | 1.53% | 1.26% | +0.3 pts |
| ROE | 24.3% | 12.2% | +12.2 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 | $1.21B | $1.12B | $862.4M | $78.5M | $9.2M | 1.53% | 4.23% | 0.73% |
| Q1 2026 | $1.20B | $1.12B | $828.0M | $75.3M | $4.9M | 1.65% | 4.21% | 0.75% |
| Q4 2025 | $1.16B | $1.08B | $803.9M | $72.0M | $16.2M | 1.42% | 4.12% | 0.85% |
| Q3 2025 | $1.17B | $1.09B | $792.9M | $71.9M | $11.9M | 1.39% | 4.05% | 1.17% |
| Q2 2025 | $1.14B | $1.07B | $785.8M | $61.8M | $8.4M | 1.49% | 4.06% | 0.75% |
| Q1 2025 | $1.12B | $1.05B | $753.8M | $59.8M | $4.1M | 1.48% | 3.89% | 0.77% |
| Q4 2024 | $1.11B | $1.05B | $755.1M | $50.7M | $12.6M | 1.12% | 3.68% | 0.80% |
| Q3 2024 | $1.14B | $1.07B | $763.9M | $65.0M | $9.7M | 1.16% | 3.61% | 0.74% |
Loan mix (Q2 2026): real estate $716.7M · commercial $79.8M · consumer $17.1M · securities $261.1M
| Ratio | PeoplesSouth Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.53% | 1.26% | 71st | |
Return on equity Annualized net income ÷ equity or net worth | 24.3% | 12.2% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.23% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.9% | 59.0% | 25th |
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 | PeoplesSouth 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 | PeoplesSouth 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 | PeoplesSouth 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 | PeoplesSouth 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 | PeoplesSouth 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.
33 branches in 22 counties across 3 states (+0 vs 2024) · $1.07B branch deposits. Biggest market: Jackson, FL, ranked 3rd with 13.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jackson, FL | 3 | $156.8M | 12.97% | 3rd |
| Houston, AL | 5 | $121.2M | 2.67% | 12th |
| Miller, GA | 1 | $110.3M | 48.92% | 1st |
| 19 more counties with Pro → | ||||
Florida: 120th with 0.06% · Alabama: 90th with 0.18% · Georgia: 114th with 0.07% · Dothan metro: 8th, 3.50% · Panama City-Panama City Beach metro: 14th, 1.54% ·
Branch count: 2022 31 · 2023 32 · 2024 33 · 2025 33