| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.2% | +4.4% | +6.8 pts |
| Deposit growth (YoY) | +13.2% | +4.0% | +9.2 pts |
| Loan growth (YoY) | +10.2% | +5.6% | +4.6 pts |
| ROA | 0.72% | 1.24% | -0.5 pts |
| ROE | 8.6% | 11.9% | -3.3 pts |
ROA ranks in the 21st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $189.3M | $172.5M | $156.2M | $15.7M | $662K | 0.72% | 3.63% | 0.73% |
| Q1 2026 | $185.4M | $167.0M | $155.6M | $15.4M | $324K | 0.71% | 3.51% | 0.71% |
| Q4 2025 | $180.2M | $162.0M | $155.9M | $15.1M | $925K | 0.54% | 3.61% | 0.89% |
| Q3 2025 | $177.2M | $159.1M | $151.1M | $14.8M | $709K | 0.56% | 3.57% | 0.45% |
| Q2 2025 | $170.3M | $152.5M | $141.8M | $14.4M | $509K | 0.62% | 3.55% | 0.39% |
| Q1 2025 | $166.5M | $148.6M | $137.9M | $14.2M | $272K | 0.67% | 3.51% | 0.59% |
| Q4 2024 | $159.6M | $136.7M | $136.8M | $13.8M | $288K | 0.18% | 3.56% | 0.55% |
| Q3 2024 | $159.8M | $141.5M | $134.1M | $14.0M | $228K | 0.20% | 3.52% | 0.55% |
Loan mix (Q2 2026): real estate $152.0M · commercial $2.6M · consumer $3.1M · securities $8.1M
| Ratio | The Peoples Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.72% | 1.24% | 21th | |
Return on equity Annualized net income ÷ equity or net worth | 8.6% | 11.9% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.63% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.2% | 62.9% | 75th |
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 Savings 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 Savings 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 Savings 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 Savings 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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