| Metric | The Peoples Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.4% | +3.0% | -0.6 pts |
| Deposit growth (YoY) | +1.6% | +2.5% | -0.8 pts |
| Loan growth (YoY) | -2.8% | +2.6% | -5.3 pts |
| ROA | 0.29% | 0.99% | -0.7 pts |
| ROE | 3.0% | 8.1% | -5.1 pts |
ROA ranks in the 20th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $60.4M | $54.3M | $31.2M | $5.8M | $87K | 0.29% | 3.99% | 0.17% |
| Q1 2026 | $59.2M | $53.2M | $29.0M | $5.7M | $29K | 0.20% | 3.82% | 0.19% |
| Q4 2025 | $58.4M | $52.3M | $30.6M | $5.8M | $193K | 0.33% | 3.83% | 0.26% |
| Q3 2025 | $57.5M | $51.6M | $31.9M | $5.7M | $103K | 0.24% | 3.77% | 0.28% |
| Q2 2025 | $59.0M | $53.4M | $32.1M | $5.4M | $64K | 0.22% | 3.72% | 0.47% |
| Q1 2025 | $57.7M | $52.3M | $31.9M | $5.2M | $1K | 0.01% | 3.59% | 0.26% |
| Q4 2024 | $56.5M | $51.2M | $32.3M | $5.0M | $90K | 0.15% | 3.52% | 0.37% |
| Q3 2024 | $57.8M | $49.0M | $32.6M | $5.2M | $25K | 0.06% | 3.45% | 0.34% |
Loan mix (Q2 2026): real estate $27.7M · commercial $2.9M · consumer $856K · securities $24.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Peoples Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.29% | 0.99% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | 3.0% | 8.1% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.99% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.8% | 70.8% | 81th |
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% |
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