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 Chatham, LA against its peer group of 578 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 | 2.12% | 0.85% | +1.27% | 85th top |
| ROAE | 13.99% | 5.23% | +8.76% | 77th top |
| Net Interest Margin | 5.53% | 3.94% | +1.59% | 95th top |
| Efficiency Ratio | 53.10% | 74.96% | -21.86% | 83rd top |
| PPNR / Avg Assets | 2.48% | — | — | 89th top |
| Yield on Earning Assets | 8.40% | 5.42% | +2.98% | 99th top |
| Cost of Funds | 3.13% | 1.69% | +1.44% | 7th bottom |
| Net Interest Spread | 5.02% | — | — | 95th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 1.32% | 1.34% | -0.02% | 26th below |
| NPA / Total Assets | 1.15% | — | — | 18th bottom |
| NCO / Avg Loans | -0.58% | 0.11% | -0.69% | 98th top |
| ACL / Total Loans | 1.49% | — | — | 67th above |
| ACL / NPLs (Coverage) | 113.28% | — | — | 41st below |
| Texas Ratio | 9.29% | 7.23% | +2.06% | 19th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 15.75% | 25.12% | -9.37% | 24th bottom |
| Tier 1 Ratio | 15.75% | 25.12% | -9.37% | 24th bottom |
| Total Capital Ratio | 17.00% | — | — | 26th below |
| Leverage Ratio | 11.66% | 14.13% | -2.47% | 34th below |
| Equity / Assets | 15.30% | 13.07% | +2.23% | 68th above |
| TCE / Tangible Assets | 11.68% | — | — | 45th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 95.42% | 68.58% | +26.84% | 13th bottom |
| Core Deposit Ratio | 81.52% | 88.79% | -7.27% | 15th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -3.79% | — | — | 14th bottom |
| Loan Growth (Y/Y) | -2.40% | — | — | 28th below |
| Deposit Growth (Y/Y) | -5.80% | — | — | 10th bottom |
See Peoples Bank's peers by name
The 578 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.