Peoples Bank National Association
Coldwater, KS · Cert 14636 · Peer group: banks under $1B in assets in KS (n=105)
FDIC · 1 branch
Q1 2025
$56.6MAssets
$32.0MLoans
$47.8MDeposits
$7.0MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 72% of banks under $1B in assets in KS (rank 29 of 105).
- Widest gap: return on equity trails 81% of banks under $1B in assets in KS (rank 85 of 105).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.89%
Rank 73 of 105
Net Interest Margin
3.25%
Rank 56 of 105
Efficiency Ratio
71.17%
Rank 84 of 105
Equity / Assets
12.36%
Rank 29 of 105
Non-interest income vs. expense
Unfavorable gap of $1.2M · efficiency ratio beats 21% of banks under $1B in assets in KS | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.89% | 0.78% | 1.10% | 1.38% | Beats 30% | 73 / 105 | | |
| Return on Equity | 7.19% | 8.15% | 10.82% | 13.36% | Beats 19% | 85 / 105 | | |
| Net Interest Margin | 3.25% | 3.06% | 3.29% | 3.75% | Beats 47% | 56 / 105 | | |
| Efficiency Ratio | 71.17% | 55.42% | 62.09% | 69.97% | Beats 21% | 84 / 105 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.80% | 0.03% | 0.22% | 0.77% | Beats 24% | 81 / 105 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | n/a | 0.01% | Beats 39% | 65 / 105 | | |
| Capital |
| Tier 1 Capital Ratio | 13.11% | 11.89% | 13.59% | 17.54% | Beats 45% | 58 / 105 | | |
| Total Risk-Based Capital Ratio | 13.11% | 11.91% | 14.34% | 18.04% | Beats 41% | 62 / 105 | | |
| Equity / Assets | 12.36% | 7.61% | 10.31% | 12.60% | Beats 72% | 29 / 105 | | |
| Liquidity & Funding |
| Loans / Deposits | 66.96% | 54.60% | 68.18% | 80.10% | 46th pctl | 57 / 105 | | |
| Loans / Assets | 56.49% | 48.15% | 58.26% | 66.79% | 45th pctl | 58 / 105 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |