Peoples Bank
Sheridan, AR · Cert 57058 · Peer group: banks under $1B in assets (n=581-629) · 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 95% of banks under $1B in assets (rank 31 of 629).
- Widest gap: total risk-based capital ratio trails 59% of banks under $1B in assets (rank 370 of 629).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.75%
Rank 103 of 629
Net Interest Margin
4.04%
Rank 165 of 629
Efficiency Ratio
42.11%
Rank 31 of 629
Equity / Assets
12.45%
Rank 205 of 629
Non-interest income vs. expense
Unfavorable gap of $4.4M · efficiency ratio beats 95% 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 | 1.75% | 0.60% | 1.01% | 1.45% | Beats 84% | 103 / 629 | | |
| Return on Equity | 14.10% | 5.38% | 9.30% | 13.28% | Beats 79% | 129 / 629 | | |
| Net Interest Margin | 4.04% | 3.03% | 3.54% | 4.05% | Beats 74% | 165 / 629 | | |
| Efficiency Ratio | 42.11% | 58.35% | 67.79% | 79.08% | Beats 95% | 31 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.03% | 0.09% | 0.46% | 1.20% | Beats 83% | 100 / 581 | | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 49% | 297 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 13.33% | 11.24% | 13.84% | 18.77% | Beats 46% | 338 / 629 | | |
| Total Risk-Based Capital Ratio | 13.33% | 11.58% | 14.43% | 19.66% | Beats 41% | 370 / 629 | | |
| Equity / Assets | 12.45% | 9.09% | 10.65% | 13.80% | Beats 67% | 205 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 61.85% | 67.24% | 80.90% | 93.48% | 20th pctl | 477 / 594 | | |
| Loans / Assets | 53.64% | 53.31% | 67.71% | 78.15% | 25th pctl | 469 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |