Peoples Bank of East Tennessee: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Peoples Bank of East Tennessee of Madisonville, TN 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 | 1.61% | 1.34% | +0.27% | 69th above |
| ROAE | 16.62% | 13.31% | +3.31% | 74th above |
| Net Interest Margin | 5.19% | 3.93% | +1.26% | 95th top |
| Efficiency Ratio Behind the peer average, ahead of the median peer. | 61.47% | 61.14% | +0.33% | 50th above |
| PPNR / Avg Assets | 2.14% | 1.68% | +0.46% | 78th top |
| Yield on Earning Assets | 6.34% | 5.67% | +0.67% | 82nd top |
| Cost of Funds | 1.22% | 1.88% | -0.66% | 83rd top |
| Net Interest Spread | 4.61% | 3.32% | +1.29% | 95th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.34% | 0.94% | -0.60% | 54th above |
| NPA / Total Assets | 0.24% | 0.70% | -0.46% | 56th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.16% | -0.14% | 35th below |
| ACL / Total Loans | 1.38% | 1.28% | +0.10% | 71st above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 401.48% | 1539.22% | -1137.74% | 66th above |
| Texas Ratio | 2.36% | 7.33% | -4.97% | 60th above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 276.32% | 1396.24% | -1119.92% | 64th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.90% | 12.14% | -1.24% | 49th below |
| Equity / Assets | 9.92% | 11.37% | -1.45% | 44th below |
| TCE / Tangible Assets | 9.92% | 11.09% | -1.17% | 48th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 77.00% | 80.64% | -3.64% | 57th above |
| Core Deposit Ratio | 89.39% | 86.86% | +2.53% | 52nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.40% | 6.85% | -1.45% | 58th above |
| Loan Growth (Y/Y) | 15.72% | 7.90% | +7.82% | 87th top |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.20% | 6.29% | -2.09% | 51st above |
See Peoples Bank of East Tennessee's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Peoples Bank of East Tennessee, 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 East Tennessee profile, how to read a UBPR, or how this data updates.