Peoples Bank
Paris, TX · Cert 27398 · Peer group: banks under $1B in assets in TX (n=208-211) · Texas Peoples Natl Bancshares
State charter, non-member · FDIC · 2 branches
Q2 2026
$185.4MAssets
$148.0MLoans
$168.4MDeposits
$15.3MEquity
Executive Summary
- Strongest standing: return on equity outperforms 87% of banks under $1B in assets in TX (rank 28 of 211).
- Widest gap: total risk-based capital ratio trails 96% of banks under $1B in assets in TX (rank 202 of 211).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.42%
Rank 71 of 211
Net Interest Margin
3.71%
Rank 118 of 211
Efficiency Ratio
58.57%
Rank 78 of 211
Equity / Assets
8.26%
Rank 191 of 211
Non-interest income vs. expense
Unfavorable gap of $3.5M · efficiency ratio beats 64% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.42% | 0.87% | 1.20% | 1.65% | Beats 66% | 71 / 211 | | |
| Return on Equity | 17.12% | 7.52% | 11.67% | 14.58% | Beats 87% | 28 / 211 | | |
| Net Interest Margin | 3.71% | 3.28% | 3.82% | 4.31% | Beats 44% | 118 / 211 | | |
| Efficiency Ratio | 58.57% | 53.01% | 64.18% | 73.65% | Beats 64% | 78 / 211 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.25% | 0.01% | 0.30% | 1.10% | Beats 54% | 97 / 208 | | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.01% | 0.06% | Beats 33% | 141 / 208 | | |
| Capital |
| Tier 1 Capital Ratio | 9.56% | 11.72% | 14.45% | 19.57% | Beats 5% | 201 / 211 | | |
| Total Risk-Based Capital Ratio | 9.56% | 11.94% | 14.78% | 20.30% | Beats 4% | 202 / 211 | | |
| Equity / Assets | 8.26% | 9.41% | 11.06% | 12.94% | Beats 9% | 191 / 211 | | |
| Liquidity & Funding |
| Loans / Deposits | 87.88% | 45.39% | 66.56% | 82.03% | 87th pctl | 28 / 208 | | |
| Loans / Assets | 79.82% | 39.13% | 56.90% | 70.46% | 94th pctl | 12 / 211 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |