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 Cuba, MO against its peer group of 2757 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 | 1.75% | 1.25% | +0.50% | 75th top |
| ROAE | 22.30% | 12.22% | +10.08% | 92nd top |
| Net Interest Margin | 4.11% | 3.95% | +0.16% | 59th above |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 62.25% | 63.71% | -1.46% | 47th below |
| PPNR / Avg Assets | 1.78% | — | — | 61st above |
| Yield on Earning Assets | 5.50% | 5.67% | -0.17% | 45th below |
| Cost of Funds | 1.52% | 1.87% | -0.35% | 68th above |
| Net Interest Spread | 3.57% | — | — | 62nd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.23% | 0.88% | -0.65% | 63rd above |
| NPA / Total Assets | 0.16% | — | — | 64th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.15% | -0.15% | 45th below |
| ACL / Total Loans | 1.12% | — | — | 41st below |
| ACL / NPLs (Coverage) | 495.89% | — | — | 70th above |
| Texas Ratio | 1.73% | 5.96% | -4.23% | 60th above |
| Provision / NCO | 1000.00% | — | — | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.96% | 11.75% | -0.79% | 49th below |
| Equity / Assets | 8.24% | 10.98% | -2.74% | 16th bottom |
| TCE / Tangible Assets | 8.24% | — | — | 18th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 75.91% | 80.44% | -4.53% | 60th above |
| Core Deposit Ratio | 95.21% | 86.95% | +8.26% | 85th top |
| Wholesale Funding Ratio | 0.01% | — | — | 99th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.03% | — | — | 19th bottom |
| Loan Growth (Y/Y) | 7.02% | — | — | 59th above |
| Deposit Growth (Y/Y) | -1.13% | — | — | 17th bottom |
See Peoples Bank's peers by name
The 2757 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.