PackageTrendsPeer
Letter portraitLegal landscape

Peoples Bank of Kent County, Maryland

Chestertown, MD · Cert 12885

FDIC · 7 branches

Q3 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q3 2025, the quarter ended September 30, 2025, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=843 to 849). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

86

Q2 2024Q3 2025peer median (50)

Asset Quality

64

Q2 2024Q3 2025peer median (50)

Profitability

65

Q2 2024Q3 2025peer median (50)

Liquidity

78

Q2 2024Q3 2025peer median

Efficiency

31

Q2 2024Q3 2025peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Peoples Bank of Kent County, Maryland

Chestertown, MD · Cert 12885

FDIC · 7 branches

Q3 2025

$293.2MAssets
$178.8MLoans
$252.0MDeposits
$39.6MEquity
Loan mix
94%RE $165.7M5%C&I $9.3M0%Consumer $0.7MQ3 2024Q3 2025
Deposit mix
57%Interest-bearing $143.8M43%Noninterest $108.2MQ3 2024Q3 2025

NIM

4.16%Q3 ’234.23%Q3 ’244.29%Q3 ’25-2%+1%

Non-interest income vs. expense

4.06%Q3 ’234.63%Q3 ’244.78%Q3 ’25+16%-1%

Market Position · Baltimore-Columbia-Towson, MD · 2025 SOD (annual) · 0.0% share · #37 of 42 inst. · $0.0B of $101.8B

29.2% Kent
1.8% Queen Anne's
0.3% Talbot

Executive Summary

  • Earnings: ROA of 1.24%, up 5 bps year over year; NIM at 3.97%.
  • Asset quality: problem loans at 0.29% of loans (-9 bps YoY), with net recoveries of 0.03%.
  • Capital: tier 1 leverage ratio of 13.92%, up 132 bps from a year ago.
  • Funding: loans stand at 70.94% of deposits as of Q3 2025.

Financial Results

Return on Assets (YTD, annualized)

1.24%+5 bps YoY

Net Interest Margin (YTD, annualized)

3.97%+3 bps YoY

Efficiency Ratio (YTD, annualized)

74.23%-5 bps YoY

Tier 1 Leverage Ratio

13.92%+132 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025YoY ΔTrend
Earnings
Return on Assets1.18%1.08%1.46%1.29%1.24%+5 bps
Return on Equity10.87%9.82%12.15%10.43%9.75%-112 bps
Net Interest Margin3.94%3.96%3.93%3.95%3.97%+3 bps
Efficiency Ratio74.28%77.22%71.37%73.46%74.23%-5 bps
Non-Interest Burden2.40%2.63%1.92%2.28%2.38%-2 bps
Growth
Asset Growth (YoY)-2.46%-4.04%-1.80%-3.23%-2.05%+41 bps
Loan Growth (YoY)2.06%-0.46%-2.66%-2.42%-4.95%-700 bps
Deposit Growth (YoY)-5.90%-5.31%-3.70%-5.00%-2.63%+327 bps
Asset Quality
Nonperforming Loans / Loans0.38%0.24%0.22%0.30%0.29%-9 bps
Net Charge-Offs / Loans-0.02%-0.03%-0.02%-0.04%-0.03%-1 bps
Allowance / Loans1.46%1.38%1.39%1.37%1.38%-8 bps
Allowance Coverage of NPLs3.8x5.8x6.3x4.6x4.8x+1.0x
Capital
Tier 1 Leverage Ratio12.60%12.84%13.42%13.66%13.92%+132 bps
Total Risk-Based Capital22.92%23.46%24.36%24.65%26.07%+315 bps
Equity / Assets11.88%11.61%12.50%13.07%13.51%+163 bps
Liquidity & Funding
Loans / Deposits72.67%69.81%71.88%72.06%70.94%-173 bps
Liquid Assets / Assets14.13%16.01%15.15%14.68%16.08%+195 bps
CRE / Total Capitaln/an/an/an/a147.80%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Peoples Bank of Kent County, Maryland

Chestertown, MD · Cert 12885 · Peer group: banks under $1B in assets operating in a single state (n=843-849)

FDIC · 7 branches

Q3 2025

$293.2MAssets
$178.8MLoans
$252.0MDeposits
$39.6MEquity

Executive Summary

  • Strongest standing: brokered deposits / deposits outperforms 100% of banks under $1B in assets operating in a single state (rank 521 of 849).
  • Widest gap: efficiency ratio trails 69% of banks under $1B in assets operating in a single state (rank 589 of 849).
  • Overall: at or above the peer median on 9 of 10 directional measures.

Return on Assets

1.26%

Rank 255 of 849

Net Interest Margin

3.97%

Rank 230 of 849

Efficiency Ratio

75.42%

Rank 589 of 849

Equity / Assets

13.51%

Rank 193 of 849

Non-interest income vs. expense

$7.1M$14.2MINCOMEEXPENSE
Unfavorable gap of $7.1M · efficiency ratio beats 31% of banks under $1B in assets operating in a single state
Bank 75.42%Peer median 68.2%Q2 2024Q3 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.26%0.60%0.92%1.34%Beats 70%255 / 849
Return on Equity9.30%5.33%9.20%12.48%Beats 51%413 / 848
Net Interest Margin3.97%2.93%3.45%4.03%Beats 73%230 / 849
Efficiency Ratio75.42%58.46%68.22%77.90%Beats 31%589 / 849
Asset Quality
Nonperforming Loans / Loans0.29%0.06%0.40%1.03%Beats 58%357 / 843
Net Charge-Offs / Loans0.00%0.00%0.02%0.07%Beats 69%267 / 843
Capital
Tier 1 Capital Ratio24.82%11.59%13.93%17.99%Beats 90%88 / 849
Total Risk-Based Capital Ratio26.07%11.90%14.68%18.78%Beats 90%87 / 849
Equity / Assets13.51%8.73%10.40%13.12%Beats 77%193 / 849
Liquidity & Funding
Loans / Deposits70.94%62.07%77.56%89.95%39th pctl518 / 849
Loans / Assets60.97%53.39%65.75%75.62%38th pctl520 / 843
Brokered Deposits / Deposits0.00%n/an/a2.94%Beats 100%521 / 849