Peoples Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Peoples Bank of Paris, TX against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.82% | 1.25% | +0.57% | 79th top |
| ROAE | 22.77% | 12.22% | +10.55% | 93rd top |
| Net Interest Margin | 3.95% | 3.95% | +0.00% | 50th above |
| Efficiency Ratio | 58.19% | 63.71% | -5.52% | 58th above |
| PPNR / Avg Assets | 1.89% | — | — | 66th above |
| Yield on Earning Assets | 5.54% | 5.67% | -0.13% | 47th below |
| Cost of Funds | 1.73% | 1.87% | -0.14% | 55th above |
| Net Interest Spread | 3.19% | — | — | 42nd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.25% | 0.88% | -0.63% | 62nd above |
| NPA / Total Assets | 0.20% | — | — | 61st above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.15% | -0.14% | 37th below |
| ACL / Total Loans | 0.83% | — | — | 12th bottom |
| ACL / NPLs (Coverage) | 336.71% | — | — | 61st above |
| Texas Ratio | 2.21% | 5.96% | -3.75% | 55th above |
| Provision / NCO | 580.00% | — | — | 76th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.56% | 11.75% | -2.19% | 23rd bottom |
| Equity / Assets | 8.26% | 10.98% | -2.72% | 16th bottom |
| TCE / Tangible Assets | 8.26% | — | — | 19th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 87.88% | 80.44% | +7.44% | 33rd below |
| Core Deposit Ratio | 76.51% | 86.95% | -10.44% | 10th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.73% | — | — | 73rd above |
| Loan Growth (Y/Y) | 7.18% | — | — | 60th above |
| Deposit Growth (Y/Y) | 13.03% | — | — | 89th top |
See Peoples Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Peoples Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Peoples Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Peoples Bank peer analysis.