| Metric | The Peoples Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.4% | +4.9% | +0.5 pts |
| Deposit growth (YoY) | +5.2% | +4.3% | +0.8 pts |
| Loan growth (YoY) | +10.8% | +5.3% | +5.5 pts |
| ROA | 1.00% | 1.28% | -0.3 pts |
| ROE | 11.1% | 12.4% | -1.3 pts |
ROA ranks in the 31st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $581.8M | $522.6M | $236.3M | $52.1M | $2.9M | 1.00% | 2.63% | 0.14% |
| Q1 2026 | $582.2M | $524.0M | $225.3M | $51.1M | $1.5M | 1.03% | 2.56% | 0.01% |
| Q4 2025 | $555.8M | $497.9M | $224.9M | $50.8M | $4.8M | 0.87% | 2.43% | 0.02% |
| Q3 2025 | $563.9M | $505.4M | $218.4M | $50.9M | $3.7M | 0.90% | 2.38% | 0.01% |
| Q2 2025 | $552.0M | $497.0M | $213.2M | $47.3M | $2.2M | 0.81% | 2.31% | 0.16% |
| Q1 2025 | $541.9M | $488.6M | $210.4M | $45.5M | $959K | 0.72% | 2.25% | 0.18% |
| Q4 2024 | $523.5M | $473.8M | $207.5M | $41.8M | $4.5M | 0.89% | 2.26% | 0.01% |
| Q3 2024 | $523.4M | $469.5M | $206.0M | $45.9M | $3.8M | 1.00% | 2.27% | 0.02% |
Loan mix (Q2 2026): real estate $182.6M · commercial $25.2M · consumer $19.8M · securities $290.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Peoples Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.00% | 1.28% | 31th | |
Return on equity Annualized net income ÷ equity or net worth | 11.1% | 12.4% | 41th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.63% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.5% | 61.2% | 39th |
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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