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
Unfavorable gap of $7.1M · 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 | 1.26% | 0.60% | 0.92% | 1.34% | Beats 70% | 255 / 849 | |
| Return on Equity | 9.30% | 5.33% | 9.20% | 12.48% | Beats 51% | 413 / 848 | |
| Net Interest Margin | 3.97% | 2.93% | 3.45% | 4.03% | Beats 73% | 230 / 849 | |
| Efficiency Ratio | 75.42% | 58.46% | 68.22% | 77.90% | Beats 31% | 589 / 849 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.29% | 0.06% | 0.40% | 1.03% | Beats 58% | 357 / 843 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.07% | Beats 69% | 267 / 843 | |
| Capital |
| Tier 1 Capital Ratio | 24.82% | 11.59% | 13.93% | 17.99% | Beats 90% | 88 / 849 | |
| Total Risk-Based Capital Ratio | 26.07% | 11.90% | 14.68% | 18.78% | Beats 90% | 87 / 849 | |
| Equity / Assets | 13.51% | 8.73% | 10.40% | 13.12% | Beats 77% | 193 / 849 | |
| Liquidity & Funding |
| Loans / Deposits | 70.94% | 62.07% | 77.56% | 89.95% | 39th pctl | 518 / 849 | |
| Loans / Assets | 60.97% | 53.39% | 65.75% | 75.62% | 38th pctl | 520 / 843 | |
| Brokered Deposits / Deposits | 0.00% | n/a | n/a | 2.94% | Beats 100% | 521 / 849 | |