| Metric | The Peoples State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.9% | +4.9% | +4.0 pts |
| Deposit growth (YoY) | +9.3% | +4.3% | +5.0 pts |
| Loan growth (YoY) | +7.2% | +5.3% | +1.8 pts |
| ROA | 1.48% | 1.28% | +0.2 pts |
| ROE | 15.7% | 12.4% | +3.3 pts |
ROA ranks in the 62nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $506.6M | $444.3M | $274.6M | $47.3M | $3.6M | 1.48% | 3.73% | 0.10% |
| Q1 2026 | $487.4M | $426.0M | $270.6M | $45.9M | $1.7M | 1.36% | 3.72% | 0.10% |
| Q4 2025 | $482.0M | $421.1M | $268.2M | $45.7M | $5.2M | 1.12% | 3.46% | 0.23% |
| Q3 2025 | $468.6M | $408.1M | $261.2M | $44.2M | $4.0M | 1.16% | 3.39% | 0.23% |
| Q2 2025 | $465.0M | $406.3M | $256.1M | $41.6M | $2.4M | 1.06% | 3.33% | 0.14% |
| Q1 2025 | $458.4M | $397.6M | $253.4M | $40.4M | $1.2M | 1.00% | 3.30% | 0.03% |
| Q4 2024 | $466.4M | $410.3M | $244.3M | $38.9M | $4.5M | 1.00% | 3.15% | 0.05% |
| Q3 2024 | $459.9M | $401.5M | $246.8M | $40.7M | $3.3M | 0.97% | 3.10% | 0.01% |
Loan mix (Q2 2026): real estate $242.6M · commercial $21.7M · consumer $3.2M · securities $189.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Peoples State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.48% | 1.28% | 62th | |
Return on equity Annualized net income ÷ equity or net worth | 15.7% | 12.4% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.73% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.5% | 61.2% | 60th |
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 |
|---|---|---|---|---|
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% |
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