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 Clifton, TN against its peer group of 2672 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 | 1.18% | 1.35% | -0.17% | 44th below |
| ROAE | 9.56% | 12.05% | -2.49% | 33rd below |
| Net Interest Margin | 4.87% | 3.90% | +0.97% | 90th top |
| Efficiency Ratio | 59.27% | 63.15% | -3.88% | 56th above |
| PPNR / Avg Assets | 1.94% | 1.64% | +0.30% | 70th above |
| Yield on Earning Assets | 7.39% | 5.65% | +1.74% | 97th top |
| Cost of Funds | 2.41% | 1.85% | +0.56% | 18th bottom |
| Net Interest Spread | 4.27% | 3.35% | +0.92% | 91st top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.39% | 0.92% | -0.53% | 51st above |
| NPA / Total Assets | 0.32% | 0.67% | -0.35% | 50th above |
| NCO / Avg Loans | 0.49% | 0.14% | +0.35% | 6th bottom |
| ACL / Total Loans | 0.92% | 1.28% | -0.36% | 18th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 234.38% | 1645.74% | -1411.36% | 53rd above |
| Texas Ratio | 2.45% | 7.15% | -4.70% | 59th above |
| Provision / NCO | 137.92% | 1189.84% | -1051.92% | 48th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.35% | 20.83% | -6.48% | 42nd below |
| Tier 1 Ratio | 14.35% | 20.87% | -6.52% | 42nd below |
| Total Capital Ratio | 15.26% | 21.94% | -6.68% | 40th below |
| Leverage Ratio | 12.72% | 12.46% | +0.26% | 72nd above |
| Equity / Assets | 12.16% | 11.67% | +0.49% | 72nd above |
| TCE / Tangible Assets | 12.16% | 11.40% | +0.76% | 75th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 95.71% | 78.64% | +17.07% | 17th bottom |
| Core Deposit Ratio | 72.52% | 87.10% | -14.58% | 7th bottom |
| Wholesale Funding Ratio | 2.81% | 5.11% | -2.30% | 58th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 11.45% | 6.47% | +4.98% | 87th top |
| Loan Growth (Y/Y) | 20.25% | 7.63% | +12.62% | 93rd top |
| Deposit Growth (Y/Y) | 9.06% | 6.02% | +3.04% | 79th top |
See Peoples Bank's peers by name
The 2672 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.