Peoples Bank of Graceville
Graceville, FL · Cert 21692 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · PBG Financial Services Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
$115.8MAssets
$42.7MLoans
$106.5MDeposits
$8.6MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 95% of banks under $1B in assets operating in a single state (rank 39 of 746).
- Widest gap: net interest margin trails 95% of banks under $1B in assets operating in a single state (rank 711 of 746).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.80%
Rank 520 of 746
Net Interest Margin
2.36%
Rank 711 of 746
Efficiency Ratio
63.00%
Rank 335 of 746
Equity / Assets
7.41%
Rank 680 of 746
Non-interest income vs. expense
Unfavorable gap of $1.7M · efficiency ratio beats 55% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.80% | 0.72% | 1.06% | 1.45% | Beats 30% | 520 / 746 | | |
| Return on Equity | 10.83% | 6.74% | 10.51% | 13.63% | Beats 53% | 349 / 746 | | |
| Net Interest Margin | 2.36% | 3.17% | 3.68% | 4.16% | Beats 5% | 711 / 746 | | |
| Efficiency Ratio | 63.00% | 55.74% | 64.58% | 75.47% | Beats 55% | 335 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.34% | 0.09% | 0.42% | 1.07% | Beats 57% | 323 / 743 | | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 47% | 397 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 30.21% | 11.55% | 13.75% | 17.60% | Beats 95% | 39 / 746 | | |
| Total Risk-Based Capital Ratio | 31.22% | 11.71% | 14.33% | 18.43% | Beats 95% | 37 / 746 | | |
| Equity / Assets | 7.41% | 8.90% | 10.51% | 13.06% | Beats 9% | 680 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 40.09% | 61.31% | 78.27% | 90.78% | 5th pctl | 708 / 746 | | |
| Loans / Assets | 36.89% | 53.60% | 66.97% | 76.08% | 7th pctl | 696 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |