Peoples Bank the
Iva, SC · Cert 16968 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Peoples Financial Group Inc.
State charter, non-member · FDIC · 8 branches
Q2 2026
$446.7MAssets
$277.5MLoans
$393.5MDeposits
$49.9MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
- Widest gap: efficiency ratio trails 44% of banks under $1B in assets operating in a single state (rank 330 of 746).
- Overall: at or above the peer median on 9 of 9 directional measures.
Return on Assets
1.34%
Rank 233 of 746
Net Interest Margin
3.96%
Rank 268 of 746
Efficiency Ratio
62.62%
Rank 330 of 746
Equity / Assets
11.17%
Rank 306 of 746
Non-interest income vs. expense
Unfavorable gap of $9.9M · efficiency ratio beats 56% 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 | 1.34% | 0.72% | 1.06% | 1.45% | Beats 69% | 233 / 746 | |
| Return on Equity | 12.03% | 6.74% | 10.51% | 13.63% | Beats 63% | 273 / 746 | |
| Net Interest Margin | 3.96% | 3.17% | 3.68% | 4.16% | Beats 64% | 268 / 746 | |
| Efficiency Ratio | 62.62% | 55.74% | 64.58% | 75.47% | Beats 56% | 330 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 70% | 231 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 18.19% | 11.55% | 13.75% | 17.60% | Beats 78% | 166 / 746 | |
| Total Risk-Based Capital Ratio | 19.33% | 11.71% | 14.33% | 18.43% | Beats 79% | 157 / 746 | |
| Equity / Assets | 11.17% | 8.90% | 10.51% | 13.06% | Beats 59% | 306 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 70.52% | 61.31% | 78.27% | 90.78% | 36th pctl | 476 / 746 | |
| Loans / Assets | 62.13% | 53.60% | 66.97% | 76.08% | 40th pctl | 450 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |