Peoples Bank
Chatham, LA · Cert 9328 · Peer group: banks under $1B in assets (n=581-629) · Homeland Bancshares Inc.
State charter, non-member · FDIC · 2 affiliate banks · 1 branch (8 in holding)
Q2 2026
$86.1MAssets
$69.0MLoans
$72.4MDeposits
$13.2MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 93% of banks under $1B in assets (rank 44 of 629).
- Widest gap: net charge-offs / loans trails 98% of banks under $1B in assets (rank 568 of 581).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.38%
Rank 174 of 629
Net Interest Margin
4.71%
Rank 44 of 629
Efficiency Ratio
58.84%
Rank 163 of 629
Equity / Assets
15.30%
Rank 133 of 629
Non-interest income vs. expense
Unfavorable gap of $2.2M · efficiency ratio beats 74% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.38% | 0.60% | 1.01% | 1.45% | Beats 72% | 174 / 629 | |
| Return on Equity | 9.00% | 5.38% | 9.30% | 13.28% | Beats 47% | 335 / 629 | |
| Net Interest Margin | 4.71% | 3.03% | 3.54% | 4.05% | Beats 93% | 44 / 629 | |
| Efficiency Ratio | 58.84% | 58.35% | 67.79% | 79.08% | Beats 74% | 163 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.32% | 0.09% | 0.46% | 1.20% | Beats 22% | 454 / 581 | |
| Net Charge-Offs / Loans | 0.66% | n/a | 0.01% | 0.06% | Beats 2% | 568 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 15.75% | 11.24% | 13.84% | 18.77% | Beats 64% | 228 / 629 | |
| Total Risk-Based Capital Ratio | 17.00% | 11.58% | 14.43% | 19.66% | Beats 67% | 207 / 629 | |
| Equity / Assets | 15.30% | 9.09% | 10.65% | 13.80% | Beats 79% | 133 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 95.42% | 67.24% | 80.90% | 93.48% | 79th pctl | 124 / 594 | |
| Loans / Assets | 80.18% | 53.31% | 67.71% | 78.15% | 81st pctl | 118 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |