| Metric | The Peoples Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.3% | +4.4% | -6.7 pts |
| Deposit growth (YoY) | -3.5% | +4.0% | -7.4 pts |
| Loan growth (YoY) | +7.6% | +5.6% | +2.0 pts |
| ROA | 0.87% | 1.24% | -0.4 pts |
| ROE | 7.8% | 11.9% | -4.1 pts |
ROA ranks in the 28th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $135.3M | $119.4M | $109.2M | $15.3M | $585K | 0.87% | 4.14% | 0.46% |
| Q1 2026 | $135.2M | $119.7M | $104.2M | $15.0M | $198K | 0.59% | 4.05% | 0.44% |
| Q4 2025 | $133.9M | $118.6M | $104.0M | $14.8M | $962K | 0.72% | 4.09% | 0.59% |
| Q3 2025 | $129.3M | $114.3M | $100.9M | $14.4M | $788K | 0.79% | 4.09% | 0.61% |
| Q2 2025 | $138.5M | $123.7M | $101.5M | $14.2M | $459K | 0.68% | 4.05% | 0.62% |
| Q1 2025 | $136.8M | $122.1M | $103.6M | $13.9M | $174K | 0.52% | 4.04% | 0.52% |
| Q4 2024 | $129.4M | $114.9M | $102.9M | $13.8M | $455K | 0.35% | 4.08% | 1.82% |
| Q3 2024 | $133.0M | $118.0M | $100.8M | $14.1M | $630K | 0.65% | 4.10% | 2.13% |
Loan mix (Q2 2026): real estate $79.9M · commercial $14.8M · consumer $2.1M · securities $4.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Peoples Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.87% | 1.24% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 7.8% | 11.9% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.14% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.2% | 62.9% | 75th |
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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