Bank Comparison
Peoples Bank vs Legacy Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 9
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Peoples Bank | Legacy Bank |
|---|---|---|
| CET1 Ratio | 11.65% | 9.80% |
| Tier 1 Capital Ratio | 11.65% | 9.80% |
| Total Capital Ratio | 12.90% | 11.05% |
| Tier 1 Leverage Ratio | 10.70% | 8.94% |
| Equity / Assets | 10.82% | 9.06% |
Profitability
| Metric | Peoples Bank | Legacy Bank |
|---|---|---|
| Return on Assets (ROA) | 2.03% | 1.32% |
| Return on Equity (ROE) | 18.59% | 14.57% |
| Net Interest Margin (NIM) | 4.08% | 4.26% |
| Yield on Earning Assets | 6.29% | 6.38% |
| Cost of Funds | 2.40% | 2.20% |
Asset quality
| Metric | Peoples Bank | Legacy Bank |
|---|---|---|
| Texas Ratio | 7.23% | 5.91% |
| Non-Performing Loan Ratio | 0.56% | 0.61% |
| Non-Performing Asset Ratio | 0.50% | 0.53% |
| Net Charge-Off Ratio | 0.04% | 0.00% |
| ACL / Loans | 1.31% | 1.31% |
Balance sheet
| Metric | Peoples Bank | Legacy Bank |
|---|---|---|
| Total Assets | $1,221M | $1,221M |
| Total Deposits | $1,033M | $1,100M |
| Total Loans | $1,050M | $1,075M |
| Total Equity | $132,191K | $110,673K |
| Net Income (quarter) | $6,073K | $3,973K |
Liquidity & funding
| Metric | Peoples Bank | Legacy Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 101.59% | 97.68% |
| Core Deposit Ratio | 82.89% | 83.68% |
| Uninsured Deposit Ratio | 37.88% | 53.98% |
Identity
| Metric | Peoples Bank | Legacy Bank |
|---|---|---|
| Headquarters City | ROCK VALLEY | SPRINGDALE |
| Headquarters State | IA | AR |
| Asset Tier | 4: $1B-10B | 4: $1B-10B |
| Charter Class | 0 | 24573 |
| Regulator | FDIC | OCC |
| Domestic Branches | 10 | 10 |
| Employees (FTE) | 139 | 150 |
| Established | June 1, 1945, midnight | March 28, 2005, 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 March 31, 2026. 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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