| Metric | The Peoples Bank Co. | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.3% | +4.9% | -2.6 pts |
| Deposit growth (YoY) | -1.4% | +4.3% | -5.7 pts |
| Loan growth (YoY) | +6.4% | +5.3% | +1.0 pts |
| ROA | 1.66% | 1.28% | +0.4 pts |
| ROE | 17.3% | 12.4% | +4.8 pts |
ROA ranks in the 73rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $859.2M | $738.8M | $454.3M | $83.2M | $7.0M | 1.66% | 3.27% | 0.07% |
| Q1 2026 | $842.5M | $737.9M | $432.2M | $81.2M | $3.5M | 1.68% | 3.25% | 0.09% |
| Q4 2025 | $831.0M | $729.1M | $433.1M | $79.8M | $13.4M | 1.61% | 3.17% | 0.04% |
| Q3 2025 | $840.5M | $744.2M | $432.6M | $74.5M | $9.5M | 1.53% | 3.12% | 0.03% |
| Q2 2025 | $839.7M | $749.0M | $427.0M | $68.4M | $6.8M | 1.64% | 3.10% | 0.02% |
| Q1 2025 | $835.5M | $747.9M | $418.6M | $64.1M | $3.5M | 1.69% | 3.06% | 0.08% |
| Q4 2024 | $806.3M | $727.3M | $410.5M | $57.0M | $9.5M | 1.23% | 2.80% | 0.00% |
| Q3 2024 | $834.5M | $750.0M | $399.4M | $61.7M | $6.6M | 1.15% | 2.70% | 0.00% |
Loan mix (Q2 2026): real estate $389.8M · commercial $43.2M · consumer $9.2M · securities $344.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Peoples Bank Co. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.66% | 1.28% | 73th | |
Return on equity Annualized net income ÷ equity or net worth | 17.3% | 12.4% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.27% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 38.4% | 61.2% | 4th |
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 Co. | 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 Co. | 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 Co. | 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 Co. | 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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