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 Bellingham, WA 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 | 1.08% | 1.44% | -0.36% | 34th below |
| ROAE | 8.22% | 12.51% | -4.29% | 21st bottom |
| Net Interest Margin | 4.08% | 3.84% | +0.24% | 74th above |
| Efficiency Ratio | 72.12% | 58.86% | +13.26% | 17th bottom |
| PPNR / Avg Assets | 1.26% | 1.78% | -0.52% | 25th below |
| Yield on Earning Assets | 5.25% | 5.71% | -0.46% | 32nd below |
| Cost of Funds | 1.32% | 2.03% | -0.71% | 87th top |
| Net Interest Spread | 3.35% | 3.18% | +0.17% | 68th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.42% | 0.96% | -0.54% | 64th above |
| NPA / Total Assets | 0.37% | 0.75% | -0.38% | 60th above |
| NCO / Avg Loans | -0.00% | 0.31% | -0.31% | 85th top |
| ACL / Total Loans | 1.50% | 1.25% | +0.25% | 86th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 356.06% | 699.22% | -343.16% | 74th above |
| Texas Ratio | 2.56% | 7.17% | -4.61% | 71st above |
| Provision / NCO | -4670.00% | 821.85% | -5491.85% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.27% | 11.59% | +1.68% | 86th top |
| Equity / Assets | 13.33% | 11.33% | +2.00% | 86th top |
| TCE / Tangible Assets | 13.33% | 10.65% | +2.68% | 89th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 93.02% | 86.34% | +6.68% | 35th below |
| Core Deposit Ratio | 94.78% | 85.55% | +9.23% | 84th top |
| Uninsured Deposit Ratio Ahead of the peer average, behind the median peer. | 32.52% | 32.71% | -0.19% | 46th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.16% | 10.47% | -10.31% | 17th bottom |
| Loan Growth (Y/Y) | -2.43% | 8.00% | -10.43% | 9th bottom |
| Deposit Growth (Y/Y) | -0.71% | 7.99% | -8.70% | 15th bottom |
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.