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 Sheridan, AR 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 | 1.85% | 1.35% | +0.50% | 80th top |
| ROAE | 14.77% | 12.05% | +2.72% | 65th above |
| Net Interest Margin | 4.29% | 3.90% | +0.39% | 70th above |
| Efficiency Ratio | 41.64% | 63.16% | -21.52% | 94th top |
| PPNR / Avg Assets | 2.67% | 1.64% | +1.03% | 92nd top |
| Yield on Earning Assets | 5.98% | 5.65% | +0.33% | 68th above |
| Cost of Funds | 1.88% | 1.85% | +0.03% | 45th below |
| Net Interest Spread | 3.57% | 3.35% | +0.22% | 63rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.26% | 0.92% | +0.34% | 23rd bottom |
| NPA / Total Assets | 0.67% | 0.67% | +0.00% | 31st below |
| NCO / Avg Loans | -0.00% | 0.15% | -0.15% | 78th top |
| ACL / Total Loans | 1.80% | 1.28% | +0.52% | 90th top |
| ACL / NPLs (Coverage) | 143.08% | 1645.78% | -1502.70% | 39th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.03% | 7.15% | -2.12% | 41st below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.33% | 12.46% | +0.87% | 77th top |
| Equity / Assets | 12.45% | 11.67% | +0.78% | 74th above |
| TCE / Tangible Assets | 12.45% | 11.40% | +1.05% | 77th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 61.85% | 78.65% | -16.80% | 81st top |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.75% | 87.09% | +0.66% | 42nd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 13.51% | 6.47% | +7.04% | 90th top |
| Loan Growth (Y/Y) | 18.93% | 7.64% | +11.29% | 91st top |
| Deposit Growth (Y/Y) | 13.82% | 6.02% | +7.80% | 90th 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.