| Metric | The Peoples Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.8% | +4.4% | -3.6 pts |
| Deposit growth (YoY) | -0.5% | +4.0% | -4.5 pts |
| Loan growth (YoY) | +12.6% | +5.6% | +7.0 pts |
| ROA | 1.46% | 1.24% | +0.2 pts |
| ROE | 12.9% | 11.9% | +1.0 pts |
ROA ranks in the 64th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $269.7M | $234.8M | $207.1M | $31.0M | $1.9M | 1.46% | 5.03% | 0.03% |
| Q1 2026 | $273.3M | $239.2M | $202.4M | $30.2M | $1.1M | 1.64% | 4.98% | 0.03% |
| Q4 2025 | $256.9M | $224.0M | $198.2M | $29.4M | $3.2M | 1.21% | 5.16% | 0.04% |
| Q3 2025 | $271.0M | $237.9M | $189.9M | $28.5M | $2.3M | 1.17% | 5.09% | 0.05% |
| Q2 2025 | $267.6M | $236.1M | $184.0M | $27.6M | $1.4M | 1.10% | 5.04% | 0.04% |
| Q1 2025 | $254.9M | $224.2M | $183.2M | $26.8M | $657K | 1.04% | 4.94% | 0.04% |
| Q4 2024 | $252.2M | $222.7M | $177.4M | $26.0M | $2.6M | 1.08% | 5.05% | 0.11% |
| Q3 2024 | $249.3M | $220.0M | $178.2M | $25.5M | $1.9M | 1.07% | 5.04% | 0.00% |
Loan mix (Q2 2026): real estate $194.5M · commercial $13.4M · consumer $2.2M · securities $20.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Peoples Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.46% | 1.24% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 12.9% | 11.9% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.03% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.1% | 62.9% | 57th |
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 |
|---|---|---|---|---|
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 | 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.
2 branches in 1 county across 1 state (+0 vs 2025) · $234.8M branch deposits. Biggest market: Putnam, GA, ranked 2nd with 33.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Putnam, GA | 2 | $234.8M | 33.30% | 2nd |
Georgia: 136th with 0.06% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2
Technology spend in line with peers (27 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).