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 Newton, NC against its peer group of 931 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 | 1.25% | 1.46% | -0.21% | 47th below |
| ROAE | 12.87% | 12.72% | +0.15% | 53rd above |
| Net Interest Margin | 3.85% | 3.85% | +0.00% | 59th above |
| Efficiency Ratio | 67.99% | 57.40% | +10.59% | 25th below |
| PPNR / Avg Assets | 1.68% | 1.88% | -0.20% | 47th below |
| Yield on Earning Assets | 5.12% | 5.72% | -0.60% | 26th below |
| Cost of Funds | 1.21% | 2.02% | -0.81% | 90th top |
| Net Interest Spread | 2.78% | 3.18% | -0.40% | 32nd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.47% | 1.00% | -0.53% | 60th above |
| NPA / Total Assets | 0.34% | 0.76% | -0.42% | 61st above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.43% | -0.40% | 49th below |
| ACL / Total Loans | 0.83% | 1.31% | -0.48% | 15th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 175.70% | 543.61% | -367.91% | 50th above |
| Texas Ratio | 3.27% | 7.39% | -4.12% | 63rd above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 401.80% | 618.78% | -216.98% | 73rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 14.55% | 17.34% | -2.79% | 66th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 14.55% | 17.37% | -2.82% | 65th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 15.42% | 18.42% | -3.00% | 63rd above |
| Leverage Ratio | 11.50% | 11.44% | +0.06% | 70th above |
| Equity / Assets | 9.89% | 11.34% | -1.45% | 41st below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 9.89% | 10.50% | -0.61% | 53rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 81.66% | 86.96% | -5.30% | 66th above |
| Core Deposit Ratio | 91.62% | 85.55% | +6.07% | 65th above |
| Uninsured Deposit Ratio | 21.45% | 33.13% | -11.68% | 80th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.21% | 9.68% | -5.47% | 43rd below |
| Loan Growth (Y/Y) | 10.50% | 8.05% | +2.45% | 74th above |
| Deposit Growth (Y/Y) | 3.55% | 7.87% | -4.32% | 41st below |
See Peoples Bank's peers by name
The 931 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.