Peoples Bank of Alabama: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Peoples Bank of Alabama of Cullman, AL against its peer group of 931 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 | 1.99% | 1.46% | +0.53% | 87th top |
| ROAE | 20.05% | 12.71% | +7.34% | 89th top |
| Net Interest Margin | 4.53% | 3.85% | +0.68% | 88th top |
| Efficiency Ratio | 59.30% | 57.40% | +1.90% | 48th below |
| PPNR / Avg Assets | 2.15% | 1.88% | +0.27% | 76th top |
| Yield on Earning Assets | 5.76% | 5.72% | +0.04% | 64th above |
| Cost of Funds | 1.35% | 2.02% | -0.67% | 85th top |
| Net Interest Spread | 3.73% | 3.18% | +0.55% | 84th 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. | 0.78% | 1.00% | -0.22% | 41st below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.53% | 0.76% | -0.23% | 47th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.11% | 0.43% | -0.32% | 27th below |
| ACL / Total Loans | 1.62% | 1.31% | +0.31% | 90th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 206.33% | 543.54% | -337.21% | 56th above |
| Texas Ratio | 4.91% | 7.39% | -2.48% | 50th above |
| Provision / NCO | 70.05% | 618.96% | -548.91% | 24th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.73% | 17.34% | -1.61% | 76th top |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.73% | 17.37% | -1.64% | 76th top |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.98% | 18.42% | -1.44% | 77th top |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.19% | 11.44% | -0.25% | 64th above |
| Equity / Assets | 10.09% | 11.34% | -1.25% | 44th below |
| TCE / Tangible Assets | 9.74% | 10.50% | -0.76% | 49th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 72.64% | 86.96% | -14.32% | 82nd top |
| Core Deposit Ratio | 93.52% | 85.55% | +7.97% | 77th top |
| Uninsured Deposit Ratio | 46.49% | 33.11% | +13.38% | 13th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.09% | 9.69% | -9.60% | 16th bottom |
| Loan Growth (Y/Y) | 4.78% | 8.06% | -3.28% | 45th below |
| Deposit Growth (Y/Y) | -1.35% | 7.87% | -9.22% | 12th bottom |
See Peoples Bank of Alabama's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Peoples Bank of Alabama, 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 of Alabama profile, how to read a UBPR, or how this data updates.