Peoplestrust Bank
Hamilton, AL · Cert 57569 · Peer group: banks under $1B in assets (n=581-629) · Hometown Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
$201.2MAssets
$133.6MLoans
$177.6MDeposits
$21.2MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 68% of banks under $1B in assets (rank 203 of 629).
- Widest gap: total risk-based capital ratio trails 80% of banks under $1B in assets (rank 505 of 629).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.07%
Rank 295 of 629
Net Interest Margin
3.46%
Rank 337 of 629
Efficiency Ratio
61.84%
Rank 203 of 629
Equity / Assets
10.55%
Rank 325 of 629
Non-interest income vs. expense
Unfavorable gap of $4.0M · efficiency ratio beats 68% 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 | 1.07% | 0.60% | 1.01% | 1.45% | Beats 53% | 295 / 629 | | |
| Return on Equity | 10.10% | 5.38% | 9.30% | 13.28% | Beats 55% | 286 / 629 | | |
| Net Interest Margin | 3.46% | 3.03% | 3.54% | 4.05% | Beats 46% | 337 / 629 | | |
| Efficiency Ratio | 61.84% | 58.35% | 67.79% | 79.08% | Beats 68% | 203 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.45% | 0.09% | 0.46% | 1.20% | Beats 51% | 287 / 581 | | |
| Net Charge-Offs / Loans | 0.03% | n/a | 0.01% | 0.06% | Beats 37% | 369 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 11.11% | 11.24% | 13.84% | 18.77% | Beats 24% | 479 / 629 | | |
| Total Risk-Based Capital Ratio | 11.11% | 11.58% | 14.43% | 19.66% | Beats 20% | 505 / 629 | | |
| Equity / Assets | 10.55% | 9.09% | 10.65% | 13.80% | Beats 48% | 325 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 75.26% | 67.24% | 80.90% | 93.48% | 40th pctl | 356 / 594 | | |
| Loans / Assets | 66.41% | 53.31% | 67.71% | 78.15% | 47th pctl | 332 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |