Peoples Bank of Alabama
Cullman, AL · Cert 22537 · Peer group: banks $1B-$10B in assets (n=322-328) · Altrust Financial Services Inc.
State charter, non-member · FDIC · 28 branches
Q2 2026
$1.4BAssets
$923.0MLoans
$1.3BDeposits
$143.7MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 89% of banks $1B-$10B in assets (rank 35 of 328).
- Widest gap: net charge-offs / loans trails 70% of banks $1B-$10B in assets (rank 227 of 322).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.58%
Rank 72 of 328
Net Interest Margin
4.28%
Rank 35 of 328
Efficiency Ratio
61.61%
Rank 188 of 328
Equity / Assets
10.09%
Rank 178 of 328
Non-interest income vs. expense
Unfavorable gap of $32.4M · efficiency ratio beats 43% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.58% | 0.91% | 1.22% | 1.52% | Beats 78% | 72 / 328 | | |
| Return on Equity | 15.67% | 8.43% | 11.45% | 14.43% | Beats 84% | 51 / 328 | | |
| Net Interest Margin | 4.28% | 3.03% | 3.45% | 3.83% | Beats 89% | 35 / 328 | | |
| Efficiency Ratio | 61.61% | 51.61% | 59.56% | 67.53% | Beats 43% | 188 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.56% | 0.24% | 0.51% | 1.03% | Beats 47% | 172 / 322 | | |
| Net Charge-Offs / Loans | 0.08% | 0.01% | 0.03% | 0.10% | Beats 30% | 227 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 15.73% | 11.75% | 13.15% | 15.47% | Beats 77% | 75 / 328 | | |
| Total Risk-Based Capital Ratio | 16.98% | 12.63% | 14.15% | 16.46% | Beats 79% | 68 / 328 | | |
| Equity / Assets | 10.09% | 9.15% | 10.33% | 12.01% | Beats 46% | 178 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 72.64% | 76.63% | 87.92% | 95.36% | 20th pctl | 260 / 323 | | |
| Loans / Assets | 64.78% | 65.18% | 74.15% | 79.98% | 24th pctl | 250 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |