| Metric | The Peoples Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.1% | +4.4% | +7.7 pts |
| Deposit growth (YoY) | +12.3% | +4.0% | +8.4 pts |
| Loan growth (YoY) | +19.6% | +5.6% | +14.0 pts |
| ROA | 2.14% | 1.24% | +0.9 pts |
| ROE | 26.0% | 11.9% | +14.2 pts |
ROA ranks in the 90th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $145.0M | $132.6M | $102.7M | $11.7M | $1.5M | 2.14% | 5.00% | 0.70% |
| Q1 2026 | $142.9M | $130.8M | $100.0M | $11.5M | $670K | 1.91% | 4.81% | 0.42% |
| Q4 2025 | $137.4M | $123.3M | $95.3M | $11.7M | $2.7M | 2.01% | 4.92% | 0.40% |
| Q3 2025 | $129.4M | $115.6M | $87.5M | $11.5M | $2.0M | 2.02% | 4.85% | 0.45% |
| Q2 2025 | $129.4M | $118.1M | $85.9M | $10.6M | $1.3M | 1.95% | 4.72% | 0.47% |
| Q1 2025 | $133.8M | $123.0M | $82.3M | $10.2M | $581K | 1.76% | 4.48% | 0.52% |
| Q4 2024 | $130.8M | $120.3M | $75.9M | $9.6M | $2.2M | 1.80% | 4.65% | 0.57% |
| Q3 2024 | $119.0M | $106.2M | $73.4M | $10.9M | $1.7M | 1.84% | 4.68% | 0.42% |
Loan mix (Q2 2026): real estate $97.2M · commercial $3.2M · consumer $2.4M · securities $31.1M
| Ratio | The Peoples Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.14% | 1.24% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 26.0% | 11.9% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.00% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.6% | 62.9% | 38th |
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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