| Metric | The Peoples State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +19.4% | +3.0% | +16.5 pts |
| Deposit growth (YoY) | +17.8% | +2.5% | +15.3 pts |
| Loan growth (YoY) | +26.1% | +2.6% | +23.5 pts |
| ROA | 2.87% | 0.99% | +1.9 pts |
| ROE | 14.5% | 8.1% | +6.4 pts |
ROA ranks in the 96th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $23.5M | $17.4M | $20.5M | $4.7M | $342K | 2.87% | 5.59% | 0.45% |
| Q1 2026 | $24.1M | $18.0M | $21.2M | $4.8M | $181K | 3.02% | 5.59% | 0.56% |
| Q4 2025 | $23.8M | $17.9M | $20.9M | $4.6M | $685K | 3.27% | 6.35% | 0.77% |
| Q3 2025 | $19.9M | $13.8M | $17.8M | $4.7M | $522K | 3.44% | 6.52% | 0.95% |
| Q2 2025 | $19.7M | $14.8M | $16.3M | $4.7M | $349K | 3.43% | 6.52% | 1.02% |
| Q1 2025 | $21.1M | $15.4M | $17.6M | $4.8M | $178K | 3.43% | 6.66% | 0.73% |
| Q4 2024 | $20.3M | $14.8M | $17.9M | $4.6M | $665K | 3.45% | 6.68% | 1.60% |
| Q3 2024 | $19.8M | $14.2M | $16.3M | $4.7M | $495K | 3.47% | 6.70% | 1.10% |
Loan mix (Q2 2026): real estate $8.9M · commercial $1.8M · consumer $854K · securities $250K
| Ratio | The Peoples State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.87% | 0.99% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 14.5% | 8.1% | 82nd | |
Net interest margin Interest income − interest expense, ÷ assets | 5.59% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.4% | 70.8% | 9th |
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 State 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 State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | The Peoples State 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 State 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 State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2025) · $17.4M branch deposits. Biggest market: Montgomery, KS, ranked 10th with 1.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Montgomery, KS | 1 | $17.4M | 1.89% | 10th |
Kansas: 269th with 0.01% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1