Peoples Bank, A Codorus Valley Company

Glen Rock, PA · Cert 13879 · Peer group: banks $1B-$10B in assets operating regionally (n=160-164)

FDIC · 29 branches

Q2 2024

$2.2BAssets

$1.7BLoans

$2.0BDeposits

$233.5MEquity

Executive Summary

Strongest standing: total risk-based capital ratio outperforms 85% of banks $1B-$10B in assets operating regionally (rank 24 of 164).
Widest gap: efficiency ratio trails 89% of banks $1B-$10B in assets operating regionally (rank 147 of 164).
Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.53%

Rank 131 of 164

Net Interest Margin

3.23%

Rank 55 of 160

Efficiency Ratio

84.95%

Rank 147 of 164

Equity / Assets

10.52%

Rank 52 of 164

Unfavorable gap of $58.8M · efficiency ratio beats 11% of banks $1B-$10B in assets operating regionally

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank	8-Qtr Trend
Earnings
Return on Assets	0.53%	0.64%	0.88%	1.18%	Beats 20%	131 / 164	n/a
Return on Equity	5.05%	6.50%	9.72%	12.29%	Beats 15%	140 / 164	n/a
Net Interest Margin	3.23%	2.52%	3.02%	3.47%	Beats 66%	55 / 160	n/a
Efficiency Ratio	84.95%	58.93%	65.62%	73.88%	Beats 11%	147 / 164	n/a
Asset Quality
Nonperforming Loans / Loans	0.51%	0.21%	0.46%	0.72%	Beats 43%	95 / 164	n/a
Net Charge-Offs / Loans	0.07%	0.01%	0.03%	0.09%	Beats 29%	117 / 164	n/a
Capital
Tier 1 Capital Ratio	14.68%	10.74%	11.98%	13.63%	Beats 84%	26 / 164	n/a
Total Risk-Based Capital Ratio	15.88%	11.46%	13.10%	14.52%	Beats 85%	24 / 164	n/a
Equity / Assets	10.52%	8.14%	9.50%	11.21%	Beats 68%	52 / 164	n/a
Liquidity & Funding
Loans / Deposits	88.78%	79.29%	89.89%	95.58%	46th pctl	88 / 164	n/a
Loans / Assets	78.23%	66.90%	74.18%	79.91%	71st pctl	47 / 164	n/a
Brokered Deposits / Deposits	n/a	Not reported for this institution