Peoples Bank, The
Sardis, TN · Cert 6110 · Peer group: banks under $1B in assets (n=581-629) · 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 175 of 629).
- Widest gap: total risk-based capital ratio trails 85% of banks under $1B in assets (rank 533 of 629).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.69%
Rank 445 of 629
Net Interest Margin
3.97%
Rank 175 of 629
Efficiency Ratio
76.58%
Rank 441 of 629
Equity / Assets
9.80%
Rank 395 of 629
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.69% | 0.60% | 1.01% | 1.45% | Beats 29% | 445 / 629 | | |
| Return on Equity | 7.04% | 5.38% | 9.30% | 13.28% | Beats 33% | 422 / 629 | | |
| Net Interest Margin | 3.97% | 3.03% | 3.54% | 4.05% | Beats 72% | 175 / 629 | | |
| Efficiency Ratio | 76.58% | 58.35% | 67.79% | 79.08% | Beats 30% | 441 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.21% | 0.09% | 0.46% | 1.20% | Beats 25% | 437 / 581 | | |
| Net Charge-Offs / Loans | 0.11% | n/a | 0.01% | 0.06% | Beats 18% | 480 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 10.62% | 11.24% | 13.84% | 18.77% | Beats 18% | 518 / 629 | | |
| Total Risk-Based Capital Ratio | 10.62% | 11.58% | 14.43% | 19.66% | Beats 15% | 533 / 629 | | |
| Equity / Assets | 9.80% | 9.09% | 10.65% | 13.80% | Beats 37% | 395 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 75.40% | 67.24% | 80.90% | 93.48% | 40th pctl | 355 / 594 | | |
| Loans / Assets | 67.17% | 53.31% | 67.71% | 78.15% | 48th pctl | 327 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |