Peoples Bank of East Tennessee
Madisonville, TN · Cert 34517 · Peer group: banks under $1B in assets (n=581-629) · Peoples Bancshares of TN Inc.
State charter, non-member · FDIC · 10 branches
Q2 2026
$456.1MAssets
$313.5MLoans
$407.2MDeposits
$45.3MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 93% of banks under $1B in assets (rank 43 of 629).
- Widest gap: total risk-based capital ratio trails 82% of banks under $1B in assets (rank 518 of 629).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.51%
Rank 144 of 629
Net Interest Margin
4.72%
Rank 43 of 629
Efficiency Ratio
63.35%
Rank 235 of 629
Equity / Assets
9.92%
Rank 381 of 629
Non-interest income vs. expense
Unfavorable gap of $12.5M · efficiency ratio beats 63% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.51% | 0.60% | 1.01% | 1.45% | Beats 77% | 144 / 629 | | |
| Return on Equity | 15.17% | 5.38% | 9.30% | 13.28% | Beats 84% | 101 / 629 | | |
| Net Interest Margin | 4.72% | 3.03% | 3.54% | 4.05% | Beats 93% | 43 / 629 | | |
| Efficiency Ratio | 63.35% | 58.35% | 67.79% | 79.08% | Beats 63% | 235 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.37% | 0.09% | 0.46% | 1.20% | Beats 54% | 266 / 581 | | |
| Net Charge-Offs / Loans | 0.04% | n/a | 0.01% | 0.06% | Beats 32% | 395 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 10.90% | 11.24% | 13.84% | 18.77% | Beats 21% | 499 / 629 | | |
| Total Risk-Based Capital Ratio | 10.90% | 11.58% | 14.43% | 19.66% | Beats 18% | 518 / 629 | | |
| Equity / Assets | 9.92% | 9.09% | 10.65% | 13.80% | Beats 39% | 381 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 77.00% | 67.24% | 80.90% | 93.48% | 44th pctl | 330 / 594 | | |
| Loans / Assets | 68.74% | 53.31% | 67.71% | 78.15% | 52nd pctl | 301 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |