Peoples Exchange Bank
Monroeville, AL · Cert 70 · Peer group: banks under $1B in assets (n=581-629) · Peoples Exc Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
$98.6MAssets
$53.1MLoans
$86.6MDeposits
$11.4MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 60% of banks under $1B in assets (rank 254 of 629).
- Widest gap: nonperforming loans / loans trails 90% of banks under $1B in assets (rank 523 of 581).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.98%
Rank 332 of 629
Net Interest Margin
3.73%
Rank 261 of 629
Efficiency Ratio
69.22%
Rank 338 of 629
Equity / Assets
11.58%
Rank 254 of 629
Non-interest income vs. expense
Unfavorable gap of $2.5M · efficiency ratio beats 46% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.98% | 0.60% | 1.01% | 1.45% | Beats 47% | 332 / 629 | |
| Return on Equity | 8.44% | 5.38% | 9.30% | 13.28% | Beats 44% | 354 / 629 | |
| Net Interest Margin | 3.73% | 3.03% | 3.54% | 4.05% | Beats 59% | 261 / 629 | |
| Efficiency Ratio | 69.22% | 58.35% | 67.79% | 79.08% | Beats 46% | 338 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.44% | 0.09% | 0.46% | 1.20% | Beats 10% | 523 / 581 | |
| Net Charge-Offs / Loans | 0.11% | n/a | 0.01% | 0.06% | Beats 16% | 489 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 13.46% | 11.24% | 13.84% | 18.77% | Beats 47% | 333 / 629 | |
| Total Risk-Based Capital Ratio | 13.46% | 11.58% | 14.43% | 19.66% | Beats 42% | 362 / 629 | |
| Equity / Assets | 11.58% | 9.09% | 10.65% | 13.80% | Beats 60% | 254 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 61.32% | 67.24% | 80.90% | 93.48% | 19th pctl | 482 / 594 | |
| Loans / Assets | 53.88% | 53.31% | 67.71% | 78.15% | 26th pctl | 468 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |