| Metric | The Peoples Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.0% | +4.4% | -6.4 pts |
| Deposit growth (YoY) | -2.0% | +4.0% | -5.9 pts |
| Loan growth (YoY) | -3.8% | +5.6% | -9.4 pts |
| ROA | 1.69% | 1.24% | +0.5 pts |
| ROE | 12.0% | 11.9% | +0.2 pts |
ROA ranks in the 76th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $195.9M | $136.8M | $149.3M | $27.7M | $1.7M | 1.69% | 5.64% | 1.73% |
| Q1 2026 | $197.1M | $137.5M | $150.1M | $27.9M | $817K | 1.67% | 5.59% | 1.76% |
| Q4 2025 | $194.4M | $135.1M | $149.8M | $27.1M | $4.0M | 2.01% | 5.58% | 1.78% |
| Q3 2025 | $196.9M | $136.6M | $152.7M | $27.8M | $3.0M | 1.94% | 5.53% | 1.53% |
| Q2 2025 | $199.9M | $139.5M | $155.2M | $27.3M | $2.0M | 1.97% | 5.43% | 1.71% |
| Q1 2025 | $206.5M | $146.3M | $147.4M | $27.1M | $963K | 1.86% | 5.26% | 1.73% |
| Q4 2024 | $207.2M | $142.1M | $153.5M | $26.7M | $2.0M | 0.93% | 5.16% | 1.84% |
| Q3 2024 | $216.3M | $149.9M | $156.8M | $26.3M | $1.4M | 0.87% | 5.12% | 1.72% |
Loan mix (Q2 2026): real estate $112.5M · commercial $10.1M · consumer $29.3M · securities $11.5M
| Ratio | The Peoples Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.69% | 1.24% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 12.0% | 11.9% | 51th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.64% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.9% | 62.9% | 70th |
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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