| Metric | The Peoples Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.7% | +4.4% | -1.7 pts |
| Deposit growth (YoY) | +0.8% | +4.0% | -3.2 pts |
| Loan growth (YoY) | +9.9% | +5.6% | +4.3 pts |
| ROA | 1.65% | 1.24% | +0.4 pts |
| ROE | 15.3% | 11.9% | +3.4 pts |
ROA ranks in the 74th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $446.7M | $393.5M | $274.2M | $49.9M | $3.7M | 1.65% | 4.30% | 0.00% |
| Q1 2026 | $443.8M | $393.3M | $260.9M | $47.5M | $1.8M | 1.60% | 4.28% | 0.00% |
| Q4 2025 | $439.5M | $390.5M | $260.3M | $46.2M | $7.0M | 1.61% | 4.24% | 0.00% |
| Q3 2025 | $437.1M | $387.1M | $261.1M | $46.8M | $5.2M | 1.60% | 4.20% | 0.00% |
| Q2 2025 | $435.1M | $390.4M | $249.6M | $41.7M | $3.4M | 1.57% | 4.15% | 0.00% |
| Q1 2025 | $435.8M | $391.2M | $249.3M | $41.8M | $1.7M | 1.57% | 4.09% | 0.03% |
| Q4 2024 | $423.8M | $382.0M | $242.5M | $39.3M | $6.7M | 1.62% | 4.06% | 0.02% |
| Q3 2024 | $416.0M | $369.3M | $223.4M | $43.4M | $4.9M | 1.60% | 4.03% | 0.02% |
Loan mix (Q2 2026): real estate $267.7M · commercial $4.8M · consumer $3.9M · securities $123.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Peoples Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.65% | 1.24% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 15.3% | 11.9% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.30% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.6% | 62.9% | 50th |
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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