Peoples Bank of Bedford County
Shelbyville, TN · Cert 35604 · Peer group: banks under $1B in assets (n=553-605)
FDIC · 1 branch
Q4 2024
$188.8MAssets
$105.0MLoans
$166.2MDeposits
$19.8MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 88% of banks under $1B in assets (rank 71 of 603).
- Widest gap: total risk-based capital ratio trails 55% of banks under $1B in assets (rank 330 of 604).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.28%
Rank 146 of 605
Net Interest Margin
3.17%
Rank 305 of 604
Efficiency Ratio
52.72%
Rank 71 of 603
Equity / Assets
10.49%
Rank 250 of 604
Non-interest income vs. expense
Unfavorable gap of $2.6M · efficiency ratio beats 88% 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 | 1.28% | 0.44% | 0.82% | 1.25% | Beats 76% | 146 / 605 | n/a | |
| Return on Equity | 12.15% | 4.73% | 8.49% | 12.27% | Beats 75% | 153 / 604 | n/a | |
| Net Interest Margin | 3.17% | 2.67% | 3.19% | 3.72% | Beats 50% | 305 / 604 | n/a | |
| Efficiency Ratio | 52.72% | 60.42% | 71.67% | 83.77% | Beats 88% | 71 / 603 | n/a | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.34% | 0.07% | 0.31% | 0.86% | Beats 48% | 287 / 553 | n/a | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.03% | 0.13% | Beats 71% | 163 / 553 | n/a | |
| Capital |
| Tier 1 Capital Ratio | 13.74% | 11.06% | 13.82% | 18.29% | Beats 49% | 306 / 604 | n/a | |
| Total Risk-Based Capital Ratio | 13.74% | 11.68% | 14.50% | 19.03% | Beats 45% | 330 / 604 | n/a | |
| Equity / Assets | 10.49% | 8.17% | 9.66% | 12.64% | Beats 59% | 250 / 604 | n/a | |
| Liquidity & Funding |
| Loans / Deposits | 63.15% | 63.55% | 78.98% | 91.89% | 24th pctl | 429 / 566 | n/a | |
| Loans / Assets | 55.59% | 56.22% | 68.51% | 77.12% | 24th pctl | 420 / 553 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |