Peoples Bank
Sheridan, AR · Cert 57058 · Peer group: banks under $1B in assets (n=570-617) · Peoples Bcorp Inc.
State charter, Fed member · FED · 3 branches
Q2 2026
$313.8MAssets
$168.3MLoans
$272.1MDeposits
$39.1MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 96% of banks under $1B in assets (rank 25 of 617).
- Widest gap: total risk-based capital ratio trails 58% of banks under $1B in assets (rank 359 of 617).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.75%
Rank 97 of 617
Net Interest Margin
4.04%
Rank 162 of 617
Efficiency Ratio
42.11%
Rank 25 of 617
Equity / Assets
12.45%
Rank 198 of 617
Non-interest income vs. expense
Unfavorable gap of $4.4M · efficiency ratio beats 96% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.75% | 0.60% | 1.01% | 1.45% | Beats 84% | 97 / 617 | |
| Return on Equity | 14.10% | 5.30% | 9.43% | 13.30% | Beats 80% | 126 / 617 | |
| Net Interest Margin | 4.04% | 3.04% | 3.54% | 4.05% | Beats 74% | 162 / 617 | |
| Efficiency Ratio | 42.11% | 58.03% | 67.76% | 79.08% | Beats 96% | 25 / 617 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.03% | 0.09% | 0.47% | 1.27% | Beats 82% | 101 / 570 | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 47% | 302 / 570 | |
| Capital |
| Tier 1 Capital Ratio | 13.33% | 11.18% | 13.83% | 18.55% | Beats 46% | 331 / 617 | |
| Total Risk-Based Capital Ratio | 13.33% | 11.56% | 14.39% | 19.39% | Beats 42% | 359 / 617 | |
| Equity / Assets | 12.45% | 9.03% | 10.55% | 13.63% | Beats 68% | 198 / 617 | |
| Liquidity & Funding |
| Loans / Deposits | 61.85% | 64.77% | 79.70% | 93.06% | 22nd pctl | 456 / 582 | |
| Loans / Assets | 53.64% | 51.70% | 67.18% | 77.51% | 28th pctl | 447 / 617 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |