Peoples Bank, The
Sardis, TN · Cert 6110 · Peer group: banks under $1B in assets (n=570-617) · 1st Jackson Bancshares Inc.
State charter, non-member · FDIC · 1 affiliate bank · 5 branches (12 in holding)
Q2 2026
$113.1MAssets
$75.9MLoans
$100.7MDeposits
$11.1MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 72% of banks under $1B in assets (rank 172 of 617).
- Widest gap: total risk-based capital ratio trails 84% of banks under $1B in assets (rank 520 of 617).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.69%
Rank 436 of 617
Net Interest Margin
3.97%
Rank 172 of 617
Efficiency Ratio
76.58%
Rank 432 of 617
Equity / Assets
9.80%
Rank 377 of 617
Non-interest income vs. expense
Unfavorable gap of $3.4M · efficiency ratio beats 30% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.69% | 0.60% | 1.01% | 1.45% | Beats 29% | 436 / 617 | |
| Return on Equity | 7.04% | 5.30% | 9.43% | 13.30% | Beats 33% | 415 / 617 | |
| Net Interest Margin | 3.97% | 3.04% | 3.54% | 4.05% | Beats 72% | 172 / 617 | |
| Efficiency Ratio | 76.58% | 58.03% | 67.76% | 79.08% | Beats 30% | 432 / 617 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.21% | 0.09% | 0.47% | 1.27% | Beats 26% | 424 / 570 | |
| Net Charge-Offs / Loans | 0.11% | n/a | 0.01% | 0.06% | Beats 16% | 481 / 570 | |
| Capital |
| Tier 1 Capital Ratio | 10.62% | 11.18% | 13.83% | 18.55% | Beats 18% | 506 / 617 | |
| Total Risk-Based Capital Ratio | 10.62% | 11.56% | 14.39% | 19.39% | Beats 16% | 520 / 617 | |
| Equity / Assets | 9.80% | 9.03% | 10.55% | 13.63% | Beats 39% | 377 / 617 | |
| Liquidity & Funding |
| Loans / Deposits | 75.40% | 64.77% | 79.70% | 93.06% | 42nd pctl | 336 / 582 | |
| Loans / Assets | 67.17% | 51.70% | 67.18% | 77.51% | 50th pctl | 310 / 617 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |