PackageTrendsPeer
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Peoples Bank National Association

Coldwater, KS · Cert 14636

FDIC · 1 branch

Q1 2025

$56.6MAssets
$32.0MLoans
$47.8MDeposits
$7.0MEquity
Loan mix
75%RE $12.0M21%C&I $3.4M4%Consumer $0.6MQ2 2023Q1 2025
Deposit mix
84%Interest-bearing $40.3M16%Noninterest $7.5MQ2 2023Q1 2025

Executive Summary

  • Earnings: ROA of 0.91%, up 44 bps year over year; NIM at 3.25%.
  • Asset quality: problem loans at 0.80% of loans (+69 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 13.11%, up 5 bps from a year ago.
  • Funding: loans stand at 66.96% of deposits as of Q1 2025.

Return on Assets (YTD, annualized)

0.91%+44 bps YoY

Net Interest Margin (YTD, annualized)

3.25%+45 bps YoY

Efficiency Ratio (YTD, annualized)

71.17%-1,237 bps YoY

Tier 1 Leverage Ratio

13.11%+5 bps YoY

NIM

3.86%Q1 ’234.43%Q1 ’244.91%Q1 ’25-2%+16%

Non-interest income vs. expense

3.08%Q1 ’232.98%Q1 ’242.81%Q1 ’25-1%-5%

Year to date, annualized, through each quarter.

MetricQ2 2023Q3 2023Q4 2023Q1 2024Q2 2024Q3 2024Q4 2024Q1 2025YoY ΔTrend
Earnings
Return on Assets0.41%0.46%0.39%0.47%0.33%0.40%0.42%0.91%+44 bps
Return on Equity3.79%4.28%3.52%4.10%2.79%3.38%3.51%7.37%+327 bps
Net Interest Margin2.90%2.81%2.84%2.80%2.85%2.81%2.77%3.25%+45 bps
Efficiency Ratio84.67%83.21%85.55%83.54%88.19%86.10%85.26%71.17%-1,237 bps
Non-Interest Burden2.31%2.17%2.28%2.18%2.39%2.25%2.20%2.08%-10 bps
Growth
Asset Growth (YoY)2.39%2.68%3.03%2.88%-3.25%1.67%-0.69%4.34%+146 bps
Loan Growth (YoY)13.42%16.92%8.66%-2.01%-6.14%-1.66%4.69%21.49%+2,351 bps
Deposit Growth (YoY)-2.77%0.57%1.36%3.31%-4.59%-1.82%-0.75%3.90%+58 bps
Asset Quality
Nonperforming Loans / Loans0.49%0.44%0.07%0.11%0.11%0.06%0.02%0.80%+69 bps
Net Charge-Offs / Loans-0.04%-0.02%-0.02%0.00%0.00%0.00%0.00%0.01%+1 bps
Allowance / Loans1.38%1.37%1.39%1.48%1.49%1.41%1.33%1.21%-27 bps
Allowance Coverage of NPLs2.8x3.1x19.4x13.0x13.4x24.4x55.6x1.5x-11.5x
Capital
Tier 1 Leverage Ratio13.58%13.53%13.69%13.06%13.88%13.88%13.59%13.11%+5 bps
Total Risk-Based Capital13.58%13.53%13.69%13.06%13.88%13.88%13.59%13.11%+5 bps
Equity / Assets10.86%10.77%11.44%11.48%12.17%12.85%12.30%12.36%+88 bps
Liquidity & Funding
Loans / Deposits62.99%63.18%60.01%57.26%61.97%63.29%63.30%66.96%+970 bps
Liquid Assets / Assets1.64%1.68%1.60%1.66%1.74%1.67%1.69%1.62%-4 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a