Peoples Bank of the South: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Peoples Bank of the South of Lafollette, 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 | 3.09% | 1.34% | +1.75% | 97th top |
| ROAE | 26.09% | 13.31% | +12.78% | 96th top |
| Net Interest Margin | 5.50% | 3.93% | +1.57% | 97th top |
| Efficiency Ratio | 41.44% | 61.14% | -19.70% | 94th top |
| PPNR / Avg Assets | 3.31% | 1.68% | +1.63% | 97th top |
| Yield on Earning Assets | 7.25% | 5.67% | +1.58% | 97th top |
| Cost of Funds | 1.96% | 1.88% | +0.08% | 40th below |
| Net Interest Spread | 4.65% | 3.32% | +1.33% | 96th 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. | 0.85% | 0.94% | -0.09% | 32nd below |
| NPA / Total Assets | 0.73% | 0.70% | +0.03% | 29th below |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.00% | 1.28% | -0.28% | 25th below |
| ACL / NPLs (Coverage) | 117.63% | 1539.02% | -1421.39% | 33rd below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.74% | 7.33% | -1.59% | 37th below |
| Provision / NCO | 0.00% | 1395.97% | -1395.97% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.49% | 19.50% | -3.01% | 61st above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.49% | 19.54% | -3.05% | 60th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 17.64% | 20.62% | -2.98% | 61st above |
| Leverage Ratio | 12.43% | 12.14% | +0.29% | 69th above |
| Equity / Assets | 11.92% | 11.37% | +0.55% | 70th above |
| TCE / Tangible Assets | 11.92% | 11.09% | +0.83% | 73rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 105.22% | 80.63% | +24.59% | 6th bottom |
| Core Deposit Ratio | 84.05% | 86.86% | -2.81% | 27th below |
| Wholesale Funding Ratio | 5.60% | 5.03% | +0.57% | 34th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.98% | 6.85% | -3.87% | 39th below |
| Loan Growth (Y/Y) | 9.00% | 7.90% | +1.10% | 70th above |
| Deposit Growth (Y/Y) | 1.37% | 6.29% | -4.92% | 31st below |
See Peoples Bank of the South's peers by name
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Unlock Peoples Bank of the South, 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 the South profile, how to read a UBPR, or how this data updates.