No peer data.
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $109.3M | $95.2M | $37.1M | $13.9M | $390K | 0.71% | 3.04% | 0.30% |
| Q1 2026 | $112.7M | $98.6M | $36.8M | $13.8M | $177K | 0.65% | 2.87% | 0.32% |
| Q4 2025 | $105.8M | $91.9M | $36.7M | $13.7M | $803K | 0.74% | 3.01% | 0.37% |
| Q3 2025 | $104.3M | $90.3M | $35.9M | $13.6M | $664K | 0.81% | 3.02% | 0.38% |
| Q2 2025 | $109.3M | $95.6M | $34.7M | $13.4M | $387K | 0.69% | 3.00% | 0.35% |
| Q1 2025 | $113.9M | $100.3M | $35.5M | $13.3M | $166K | 0.59% | 2.84% | 0.33% |
| Q4 2024 | $111.3M | $97.7M | $34.6M | $13.2M | $598K | 0.57% | 2.94% | 0.36% |
| Q3 2024 | $98.8M | $85.3M | $36.2M | $13.1M | $484K | 0.62% | 2.96% | 0.40% |
Loan mix (Q2 2026): real estate $29.2M · commercial $2.3M · consumer $4.2M · securities $27.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Peoples Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.71% | 1.24% | 21th | |
Return on equity Annualized net income ÷ equity or net worth | 5.7% | 11.9% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.04% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.8% | 62.9% | 85th |
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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