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 Munster, IN against its peer group of 941 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 | 0.40% | 1.34% | -0.94% | 5th bottom |
| ROAE | 4.81% | 12.34% | -7.53% | 8th bottom |
| Net Interest Margin | 3.23% | 3.83% | -0.60% | 23rd bottom |
| Efficiency Ratio | 82.26% | 58.97% | +23.29% | 5th bottom |
| PPNR / Avg Assets | 0.53% | — | — | 3rd bottom |
| Yield on Earning Assets | 4.86% | 5.71% | -0.85% | 15th bottom |
| Cost of Funds | 1.55% | 2.02% | -0.47% | 78th top |
| Net Interest Spread | 2.82% | — | — | 35th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.10% | 0.87% | +0.23% | 24th bottom |
| NPA / Total Assets | 0.81% | — | — | 27th below |
| NCO / Avg Loans | -0.01% | 0.43% | -0.44% | 91st top |
| ACL / Total Loans | 1.18% | — | — | 54th above |
| ACL / NPLs (Coverage) | 106.92% | — | — | 26th below |
| Texas Ratio | 9.66% | 5.48% | +4.18% | 18th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.81% | 14.99% | -3.18% | 20th bottom |
| Tier 1 Ratio | 11.81% | 15.02% | -3.21% | 20th bottom |
| Total Capital Ratio | 13.03% | — | — | 22nd bottom |
| Leverage Ratio | 9.31% | 11.11% | -1.80% | 19th bottom |
| Equity / Assets | 8.67% | 11.02% | -2.35% | 16th bottom |
| TCE / Tangible Assets | 7.61% | — | — | 7th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 86.82% | 86.99% | -0.17% | 53rd above |
| Core Deposit Ratio | 93.82% | 85.57% | +8.25% | 78th top |
| Uninsured Deposit Ratio | 28.02% | 33.19% | -5.17% | 59th above |
| Wholesale Funding Ratio | 4.67% | — | — | 43rd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.87% | — | — | 11th bottom |
| Loan Growth (Y/Y) | 1.33% | — | — | 23rd bottom |
| Deposit Growth (Y/Y) | -1.30% | — | — | 11th bottom |
See Peoples Bank's peers by name
The 941 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.