Peoples Bank of the South
Lafollette, TN · Cert 4945 · Peer group: banks under $1B in assets (n=581-629)
State charter, non-member · FDIC · 3 branches
Q2 2026
$232.0MAssets
$200.4MLoans
$190.5MDeposits
$27.7MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 98% of banks under $1B in assets (rank 15 of 629).
- Widest gap: nonperforming loans / loans trails 65% of banks under $1B in assets (rank 381 of 581).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
2.59%
Rank 49 of 629
Net Interest Margin
5.28%
Rank 15 of 629
Efficiency Ratio
39.91%
Rank 26 of 629
Equity / Assets
11.92%
Rank 232 of 629
Non-interest income vs. expense
Unfavorable gap of $4.5M · efficiency ratio beats 96% 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 | 2.59% | 0.60% | 1.01% | 1.45% | Beats 92% | 49 / 629 | | |
| Return on Equity | 21.70% | 5.38% | 9.30% | 13.28% | Beats 95% | 33 / 629 | | |
| Net Interest Margin | 5.28% | 3.03% | 3.54% | 4.05% | Beats 98% | 15 / 629 | | |
| Efficiency Ratio | 39.91% | 58.35% | 67.79% | 79.08% | Beats 96% | 26 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.85% | 0.09% | 0.46% | 1.20% | Beats 35% | 381 / 581 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 72% | 168 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 16.49% | 11.24% | 13.84% | 18.77% | Beats 67% | 205 / 629 | | |
| Total Risk-Based Capital Ratio | 17.64% | 11.58% | 14.43% | 19.66% | Beats 69% | 192 / 629 | | |
| Equity / Assets | 11.92% | 9.09% | 10.65% | 13.80% | Beats 63% | 232 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 105.22% | 67.24% | 80.90% | 93.48% | 92nd pctl | 48 / 594 | | |
| Loans / Assets | 86.38% | 53.31% | 67.71% | 78.15% | 95th pctl | 32 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |