| Metric | The Peoples Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.7% | +4.9% | -3.2 pts |
| Deposit growth (YoY) | +0.6% | +4.3% | -3.7 pts |
| Loan growth (YoY) | +4.1% | +5.3% | -1.3 pts |
| ROA | 3.00% | 1.28% | +1.7 pts |
| ROE | 41.9% | 12.4% | +29.5 pts |
ROA ranks in the 97th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $531.1M | $486.6M | $262.5M | $40.9M | $8.2M | 3.00% | 3.83% | 1.05% |
| Q1 2026 | $548.1M | $504.7M | $260.6M | $39.9M | $4.9M | 3.54% | 3.60% | 0.96% |
| Q4 2025 | $556.0M | $516.5M | $265.0M | $36.4M | $8.7M | 1.63% | 3.47% | 1.19% |
| Q3 2025 | $543.5M | $502.9M | $256.9M | $36.8M | $5.9M | 1.50% | 3.46% | 1.16% |
| Q2 2025 | $522.0M | $483.6M | $252.1M | $34.6M | $3.9M | 1.49% | 3.50% | 0.90% |
| Q1 2025 | $524.1M | $476.3M | $252.1M | $34.5M | $2.1M | 1.60% | 3.46% | 0.91% |
| Q4 2024 | $523.7M | $458.2M | $266.8M | $32.2M | $9.7M | 1.90% | 3.59% | 0.99% |
| Q3 2024 | $514.5M | $438.1M | $250.4M | $34.1M | $7.4M | 1.93% | 3.67% | 1.02% |
Loan mix (Q2 2026): real estate $137.8M · commercial $19.6M · consumer $5.0M · securities $210.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Peoples Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.00% | 1.28% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 41.9% | 12.4% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.83% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 43.5% | 61.2% | 8th |
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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