Peoples Bank, The
Brownstown, IN · Cert 5779 · Peer group: banks under $1B in assets (n=581-629) · TPB Bcorp
State charter, non-member · FDIC · 4 branches
Q2 2026
$323.8MAssets
$153.7MLoans
$298.6MDeposits
$24.1MEquity
Executive Summary
- Strongest standing: return on equity outperforms 90% of banks under $1B in assets (rank 64 of 629).
- Widest gap: total risk-based capital ratio trails 96% of banks under $1B in assets (rank 606 of 629).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.32%
Rank 196 of 629
Net Interest Margin
3.23%
Rank 418 of 629
Efficiency Ratio
56.54%
Rank 137 of 629
Equity / Assets
7.46%
Rank 582 of 629
Non-interest income vs. expense
Unfavorable gap of $5.8M · efficiency ratio beats 78% 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 | 1.32% | 0.60% | 1.01% | 1.45% | Beats 69% | 196 / 629 | | |
| Return on Equity | 17.69% | 5.38% | 9.30% | 13.28% | Beats 90% | 64 / 629 | | |
| Net Interest Margin | 3.23% | 3.03% | 3.54% | 4.05% | Beats 34% | 418 / 629 | | |
| Efficiency Ratio | 56.54% | 58.35% | 67.79% | 79.08% | Beats 78% | 137 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.81% | 0.09% | 0.46% | 1.20% | Beats 36% | 375 / 581 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 71% | 171 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 9.32% | 11.24% | 13.84% | 18.77% | Beats 4% | 605 / 629 | | |
| Total Risk-Based Capital Ratio | 9.32% | 11.58% | 14.43% | 19.66% | Beats 4% | 606 / 629 | | |
| Equity / Assets | 7.46% | 9.09% | 10.65% | 13.80% | Beats 7% | 582 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 51.49% | 67.24% | 80.90% | 93.48% | 11th pctl | 528 / 594 | | |
| Loans / Assets | 47.48% | 53.31% | 67.71% | 78.15% | 19th pctl | 509 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |