Peoples Bank
Chatham, LA · Cert 9328 · Peer group: banks under $1B in assets (n=573-620) · 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 94% of banks under $1B in assets (rank 40 of 620).
- Widest gap: net charge-offs / loans trails 97% of banks under $1B in assets (rank 558 of 573).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.38%
Rank 169 of 620
Net Interest Margin
4.71%
Rank 40 of 620
Efficiency Ratio
58.84%
Rank 161 of 620
Equity / Assets
15.30%
Rank 127 of 620
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.38% | 0.60% | 1.00% | 1.45% | Beats 73% | 169 / 620 | | |
| Return on Equity | 9.00% | 5.30% | 9.30% | 13.29% | Beats 47% | 329 / 620 | | |
| Net Interest Margin | 4.71% | 3.02% | 3.53% | 4.04% | Beats 94% | 40 / 620 | | |
| Efficiency Ratio | 58.84% | 58.35% | 68.08% | 79.37% | Beats 74% | 161 / 620 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.32% | 0.09% | 0.47% | 1.27% | Beats 23% | 441 / 573 | | |
| Net Charge-Offs / Loans | 0.66% | n/a | 0.01% | 0.06% | Beats 3% | 558 / 573 | | |
| Capital |
| Tier 1 Capital Ratio | 15.75% | 11.27% | 13.87% | 18.78% | Beats 63% | 229 / 620 | | |
| Total Risk-Based Capital Ratio | 17.00% | 11.69% | 14.57% | 19.67% | Beats 66% | 209 / 620 | | |
| Equity / Assets | 15.30% | 9.03% | 10.60% | 13.73% | Beats 80% | 127 / 620 | | |
| Liquidity & Funding |
| Loans / Deposits | 95.42% | 65.08% | 79.69% | 92.47% | 80th pctl | 116 / 585 | | |
| Loans / Assets | 80.18% | 51.85% | 67.17% | 77.86% | 83rd pctl | 108 / 620 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |