Peoples Bank
Bellingham, WA · Cert 6158 · Peer group: banks $1B-$10B in assets (n=322-328) · Peoples Bcorp
State charter, non-member · FDIC · 23 branches
Q2 2026
$2.4BAssets
$1.9BLoans
$2.1BDeposits
$322.5MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 89% of banks $1B-$10B in assets (rank 35 of 322).
- Widest gap: efficiency ratio trails 87% of banks $1B-$10B in assets (rank 286 of 328).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.98%
Rank 235 of 328
Net Interest Margin
3.91%
Rank 72 of 328
Efficiency Ratio
73.70%
Rank 286 of 328
Equity / Assets
13.33%
Rank 46 of 328
Non-interest income vs. expense
Unfavorable gap of $66.8M · efficiency ratio beats 13% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.98% | 0.91% | 1.22% | 1.52% | Beats 28% | 235 / 328 | | |
| Return on Equity | 7.32% | 8.43% | 11.45% | 14.43% | Beats 17% | 272 / 328 | | |
| Net Interest Margin | 3.91% | 3.03% | 3.45% | 3.83% | Beats 78% | 72 / 328 | | |
| Efficiency Ratio | 73.70% | 51.61% | 59.56% | 67.53% | Beats 13% | 286 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.11% | 0.24% | 0.51% | 1.03% | Beats 87% | 43 / 322 | | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.03% | 0.10% | Beats 89% | 35 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 13.27% | 11.75% | 13.15% | 15.47% | Beats 53% | 154 / 328 | | |
| Total Risk-Based Capital Ratio | 13.27% | 12.63% | 14.15% | 16.46% | Beats 37% | 208 / 328 | | |
| Equity / Assets | 13.33% | 9.15% | 10.33% | 12.01% | Beats 86% | 46 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 93.02% | 76.63% | 87.92% | 95.36% | 69th pctl | 100 / 323 | | |
| Loans / Assets | 80.03% | 65.18% | 74.15% | 79.98% | 76th pctl | 80 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |