| Metric | The Peoples Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.2% | +4.4% | -4.5 pts |
| Deposit growth (YoY) | -2.1% | +4.0% | -6.1 pts |
| Loan growth (YoY) | +20.3% | +5.6% | +14.7 pts |
| ROA | 1.32% | 1.24% | +0.1 pts |
| ROE | 18.2% | 11.9% | +6.3 pts |
ROA ranks in the 55th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $323.8M | $298.6M | $152.5M | $24.1M | $2.1M | 1.32% | 3.68% | 0.38% |
| Q1 2026 | $325.6M | $300.9M | $145.5M | $23.5M | $984K | 1.22% | 3.51% | 0.23% |
| Q4 2025 | $319.2M | $295.4M | $137.6M | $22.8M | $3.6M | 1.14% | 3.44% | 0.25% |
| Q3 2025 | $324.3M | $301.0M | $130.2M | $22.2M | $2.6M | 1.12% | 3.36% | 0.46% |
| Q2 2025 | $324.3M | $305.1M | $126.8M | $18.0M | $1.7M | 1.09% | 3.35% | 0.45% |
| Q1 2025 | $305.0M | $286.5M | $122.7M | $17.4M | $716K | 0.96% | 3.25% | 0.37% |
| Q4 2024 | $290.5M | $275.0M | $120.8M | $14.6M | $2.6M | 0.89% | 3.06% | 0.26% |
| Q3 2024 | $299.2M | $279.6M | $118.9M | $18.7M | $1.8M | 0.82% | 2.95% | 0.39% |
Loan mix (Q2 2026): real estate $122.1M · commercial $7.2M · consumer $16.7M · securities $136.8M
| Ratio | The Peoples Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.32% | 1.24% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 18.2% | 11.9% | 83th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.68% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.5% | 62.9% | 31th |
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 | The Peoples 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 | The Peoples 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 | The Peoples 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 | The Peoples 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.