| Metric | The Peoples Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.5% | +4.4% | -0.9 pts |
| Deposit growth (YoY) | +3.3% | +4.0% | -0.7 pts |
| Loan growth (YoY) | +1.5% | +5.6% | -4.1 pts |
| ROA | 0.70% | 1.24% | -0.5 pts |
| ROE | 7.1% | 11.9% | -4.7 pts |
ROA ranks in the 20th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $113.1M | $100.7M | $75.4M | $11.1M | $390K | 0.70% | 4.29% | 1.29% |
| Q1 2026 | $112.5M | $100.5M | $70.9M | $10.8M | $149K | 0.53% | 4.04% | 1.03% |
| Q4 2025 | $110.7M | $98.8M | $70.3M | $10.9M | $574K | 0.52% | 4.03% | 0.80% |
| Q3 2025 | $110.6M | $98.8M | $71.0M | $10.6M | $425K | 0.51% | 4.04% | 0.89% |
| Q2 2025 | $109.3M | $97.5M | $74.3M | $10.3M | $292K | 0.53% | 4.03% | 0.76% |
| Q1 2025 | $111.0M | $99.5M | $76.0M | $10.0M | $159K | 0.57% | 3.98% | 0.79% |
| Q4 2024 | $110.9M | $99.9M | $75.2M | $9.6M | $505K | 0.46% | 3.73% | 0.76% |
| Q3 2024 | $110.1M | $98.6M | $77.2M | $10.0M | $450K | 0.55% | 3.66% | 0.97% |
Loan mix (Q2 2026): real estate $66.1M · commercial $6.1M · consumer $2.8M · securities $25.4M
| Ratio | The Peoples Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.70% | 1.24% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | 7.1% | 11.9% | 23th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.29% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.1% | 62.9% | 80th |
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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