Peoples Bank, The
Magnolia, AR · Cert 12531 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Golden Oaks Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
$195.9MAssets
$151.9MLoans
$136.8MDeposits
$27.7MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 97% of banks under $1B in assets operating in a single state (rank 22 of 746).
- Widest gap: net charge-offs / loans trails 97% of banks under $1B in assets operating in a single state (rank 720 of 743).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.39%
Rank 214 of 746
Net Interest Margin
5.12%
Rank 22 of 746
Efficiency Ratio
72.48%
Rank 516 of 746
Equity / Assets
14.12%
Rank 137 of 746
Non-interest income vs. expense
Unfavorable gap of $6.6M · efficiency ratio beats 31% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.39% | 0.72% | 1.06% | 1.45% | Beats 71% | 214 / 746 | |
| Return on Equity | 9.81% | 6.74% | 10.51% | 13.63% | Beats 45% | 409 / 746 | |
| Net Interest Margin | 5.12% | 3.17% | 3.68% | 4.16% | Beats 97% | 22 / 746 | |
| Efficiency Ratio | 72.48% | 55.74% | 64.58% | 75.47% | Beats 31% | 516 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.23% | 0.09% | 0.42% | 1.07% | Beats 10% | 669 / 743 | |
| Net Charge-Offs / Loans | 0.44% | 0.00% | 0.01% | 0.05% | Beats 3% | 720 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 19.74% | 11.55% | 13.75% | 17.60% | Beats 82% | 133 / 746 | |
| Total Risk-Based Capital Ratio | 21.00% | 11.71% | 14.33% | 18.43% | Beats 83% | 128 / 746 | |
| Equity / Assets | 14.12% | 8.90% | 10.51% | 13.06% | Beats 82% | 137 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 111.06% | 61.31% | 78.27% | 90.78% | 97th pctl | 21 / 746 | |
| Loans / Assets | 77.54% | 53.60% | 66.97% | 76.08% | 79th pctl | 157 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |