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 Lyons, GA 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 | 1.24% | 1.35% | -0.11% | 48th below |
| ROAE | 11.42% | 12.05% | -0.63% | 44th below |
| Net Interest Margin | 4.06% | 3.90% | +0.16% | 57th above |
| Efficiency Ratio | 59.40% | 63.15% | -3.75% | 56th above |
| PPNR / Avg Assets | 1.77% | 1.64% | +0.13% | 61st above |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.60% | 5.65% | -0.05% | 50th above |
| Cost of Funds | 1.71% | 1.85% | -0.14% | 56th above |
| Net Interest Spread | 3.48% | 3.35% | +0.13% | 58th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 5.12% | 0.92% | +4.20% | 2nd bottom |
| NPA / Total Assets | 3.06% | 0.67% | +2.39% | 3rd bottom |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.60% | 1.28% | +0.32% | 83rd top |
| ACL / NPLs (Coverage) | 31.14% | 1645.83% | -1614.69% | 4th bottom |
| Texas Ratio | 25.84% | 7.14% | +18.70% | 4th bottom |
| Provision / NCO | 9250.00% | 1184.33% | +8065.67% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 22.12% | 20.83% | +1.29% | 83rd top |
| Tier 1 Ratio | 22.12% | 20.86% | +1.26% | 83rd top |
| Total Capital Ratio | 23.38% | 21.93% | +1.45% | 83rd top |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.18% | 12.46% | -1.28% | 54th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.89% | 11.67% | -0.78% | 58th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.89% | 11.40% | -0.51% | 62nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 67.49% | 78.65% | -11.16% | 74th above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.68% | 87.09% | +1.59% | 47th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.01% | 6.48% | -5.47% | 25th below |
| Loan Growth (Y/Y) | 12.76% | 7.64% | +5.12% | 82nd top |
| Deposit Growth (Y/Y) | 0.44% | 6.03% | -5.59% | 26th below |
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.