Bank Comparison
Peoples Bank, the vs Leighton State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
16 · 7
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Peoples Bank, the | Leighton State Bank |
|---|---|---|
| CET1 Ratio | 24.82% | 14.35% |
| Tier 1 Capital Ratio | 24.82% | 14.35% |
| Total Capital Ratio | 26.07% | 15.19% |
| Tier 1 Leverage Ratio | 13.92% | 11.09% |
| Equity / Assets | 13.51% | 11.39% |
Profitability
| Metric | Peoples Bank, the | Leighton State Bank |
|---|---|---|
| Return on Assets (ROA) | 1.11% | 1.68% |
| Return on Equity (ROE) | 8.43% | 14.82% |
| Net Interest Margin (NIM) | 4.12% | 3.71% |
| Yield on Earning Assets | 4.48% | 5.73% |
| Cost of Funds | 0.41% | 2.15% |
Asset quality
| Metric | Peoples Bank, the | Leighton State Bank |
|---|---|---|
| Texas Ratio | 1.74% | 5.41% |
| Non-Performing Loan Ratio | 0.39% | 0.80% |
| Non-Performing Asset Ratio | 0.24% | 0.60% |
| Net Charge-Off Ratio | 0.00% | 0.04% |
| ACL / Loans | 1.38% | 0.85% |
Balance sheet
| Metric | Peoples Bank, the | Leighton State Bank |
|---|---|---|
| Total Assets | $293,238K | $293,411K |
| Total Deposits | $252,016K | $248,766K |
| Total Loans | $178,776K | $218,798K |
| Total Equity | $39,631K | $33,415K |
| Net Income (quarter) | $825 | $1,223K |
Liquidity & funding
| Metric | Peoples Bank, the | Leighton State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 70.94% | 87.95% |
| Core Deposit Ratio | 97.85% | 86.78% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Peoples Bank, the | Leighton State Bank |
|---|---|---|
| Headquarters City | CHESTERTOWN | PELLA |
| Headquarters State | MD | IA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 4 |
| Employees (FTE) | 79 | 40 |
| Established | Oct. 1, 1910, midnight | July 14, 1911, 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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