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 Mendenhall, MS 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 | 5.14% | 1.34% | +3.80% | 99th top |
| ROAE | 47.07% | 12.04% | +35.03% | 99th top |
| Net Interest Margin | 6.87% | 3.90% | +2.97% | 100th top |
| Efficiency Ratio | 50.91% | 63.15% | -12.24% | 79th top |
| PPNR / Avg Assets | 5.16% | 1.64% | +3.52% | 99th top |
| Yield on Earning Assets | 8.67% | 5.65% | +3.02% | 99th top |
| Cost of Funds | 1.80% | 1.85% | -0.05% | 50th above |
| Net Interest Spread | 6.26% | 3.35% | +2.91% | 99th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 4.29% | 0.92% | +3.37% | 3rd bottom |
| NPA / Total Assets | 3.40% | 0.67% | +2.73% | 2nd bottom |
| NCO / Avg Loans | 0.25% | 0.14% | +0.11% | 10th bottom |
| ACL / Total Loans | 1.51% | 1.28% | +0.23% | 79th top |
| ACL / NPLs (Coverage) | 35.27% | 1645.82% | -1610.55% | 5th bottom |
| Texas Ratio | 27.66% | 7.14% | +20.52% | 4th bottom |
| Provision / NCO | 138.93% | 1189.84% | -1050.91% | 48th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.25% | 20.83% | -5.58% | 51st above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.25% | 20.86% | -5.61% | 51st above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.50% | 21.94% | -5.44% | 52nd above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.72% | 12.46% | -0.74% | 61st above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.19% | 11.67% | -0.48% | 62nd above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 11.15% | 11.40% | -0.25% | 65th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 88.29% | 78.64% | +9.65% | 32nd below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.77% | 87.09% | +0.68% | 42nd below |
| Wholesale Funding Ratio | 0.24% | 5.12% | -4.88% | 94th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.23% | 6.47% | +0.76% | 70th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.82% | 7.64% | -0.82% | 59th above |
| Deposit Growth (Y/Y) | 7.85% | 6.02% | +1.83% | 75th 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.