Peoples Bank
Clifton, TN · Cert 9489 · Peer group: banks under $1B in assets (n=581-629) · PB Bancshares Emp STK Ownership Plan
State charter, Fed member · FED · 5 branches
Q2 2026
$445.3MAssets
$360.2MLoans
$376.4MDeposits
$54.2MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 91% of banks under $1B in assets (rank 57 of 629).
- Widest gap: net charge-offs / loans trails 88% of banks under $1B in assets (rank 514 of 581).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.41%
Rank 167 of 629
Net Interest Margin
4.59%
Rank 57 of 629
Efficiency Ratio
56.55%
Rank 138 of 629
Equity / Assets
12.16%
Rank 219 of 629
Non-interest income vs. expense
Unfavorable gap of $11.0M · efficiency ratio beats 78% 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 | 1.41% | 0.60% | 1.01% | 1.45% | Beats 73% | 167 / 629 | | |
| Return on Equity | 11.58% | 5.38% | 9.30% | 13.28% | Beats 64% | 226 / 629 | | |
| Net Interest Margin | 4.59% | 3.03% | 3.54% | 4.05% | Beats 91% | 57 / 629 | | |
| Efficiency Ratio | 56.55% | 58.35% | 67.79% | 79.08% | Beats 78% | 138 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.39% | 0.09% | 0.46% | 1.20% | Beats 54% | 269 / 581 | | |
| Net Charge-Offs / Loans | 0.14% | n/a | 0.01% | 0.06% | Beats 12% | 514 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 14.35% | 11.24% | 13.84% | 18.77% | Beats 54% | 288 / 629 | | |
| Total Risk-Based Capital Ratio | 15.26% | 11.58% | 14.43% | 19.66% | Beats 55% | 282 / 629 | | |
| Equity / Assets | 12.16% | 9.09% | 10.65% | 13.80% | Beats 65% | 219 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 95.71% | 67.24% | 80.90% | 93.48% | 80th pctl | 120 / 594 | | |
| Loans / Assets | 80.89% | 53.31% | 67.71% | 78.15% | 83rd pctl | 106 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |