Bank Comparison
Bank of Halls vs Peoples Bank, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 10
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Bank of Halls | Peoples Bank, the |
|---|---|---|
| CET1 Ratio | 14.04% | — |
| Tier 1 Capital Ratio | 14.04% | — |
| Total Capital Ratio | 15.22% | — |
| Tier 1 Leverage Ratio | 8.01% | 11.27% |
| Equity / Assets | 7.84% | 11.06% |
Profitability
| Metric | Bank of Halls | Peoples Bank, the |
|---|---|---|
| Return on Assets (ROA) | 0.96% | 0.59% |
| Return on Equity (ROE) | 12.68% | 5.31% |
| Net Interest Margin (NIM) | 3.20% | 3.96% |
| Yield on Earning Assets | 4.82% | 6.31% |
| Cost of Funds | 1.69% | 2.47% |
Asset quality
| Metric | Bank of Halls | Peoples Bank, the |
|---|---|---|
| Texas Ratio | 2.76% | 3.99% |
| Non-Performing Loan Ratio | 0.53% | 0.29% |
| Non-Performing Asset Ratio | 0.23% | 0.49% |
| Net Charge-Off Ratio | 0.00% | 0.24% |
| ACL / Loans | 1.54% | 1.53% |
Balance sheet
| Metric | Bank of Halls | Peoples Bank, the |
|---|---|---|
| Total Assets | $134,944K | $135,207K |
| Total Deposits | $123,388K | $119,651K |
| Total Loans | $60,066K | $105,818K |
| Total Equity | $10,574K | $14,956K |
| Net Income (quarter) | $332 | $198 |
Liquidity & funding
| Metric | Bank of Halls | Peoples Bank, the |
|---|---|---|
| Loan-to-Deposit Ratio | 48.68% | 88.44% |
| Core Deposit Ratio | 92.06% | 87.29% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Bank of Halls | Peoples Bank, the |
|---|---|---|
| Headquarters City | HALLS | MARION |
| Headquarters State | TN | KY |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FED | FED |
| Domestic Branches | 2 | 4 |
| Employees (FTE) | 16 | 28 |
| Established | Oct. 13, 1899, midnight | Oct. 1, 1946, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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