Peoples Bank the: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Peoples Bank the of Iva, SC 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 | 1.68% | 1.34% | +0.34% | 73rd above |
| ROAE | 15.51% | 13.31% | +2.20% | 69th above |
| Net Interest Margin | 4.36% | 3.93% | +0.43% | 73rd above |
| Efficiency Ratio | 60.74% | 61.14% | -0.40% | 51st above |
| PPNR / Avg Assets | 1.82% | 1.68% | +0.14% | 64th above |
| Yield on Earning Assets | 5.18% | 5.67% | -0.49% | 30th below |
| Cost of Funds | 0.89% | 1.88% | -0.99% | 94th top |
| Net Interest Spread | 4.05% | 3.32% | +0.73% | 85th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.01% | 0.94% | -0.93% | 85th top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 86th top |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.20% | 1.28% | -0.08% | 50th above |
| ACL / NPLs (Coverage) | 22160.00% | 1528.91% | +20631.09% | — |
| Texas Ratio | 0.03% | 7.33% | -7.30% | 89th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 18.19% | 19.50% | -1.31% | 70th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 18.19% | 19.54% | -1.35% | 70th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 19.33% | 20.62% | -1.29% | 70th above |
| Leverage Ratio | 12.92% | 12.14% | +0.78% | 74th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.17% | 11.37% | -0.20% | 62nd above |
| TCE / Tangible Assets | 11.17% | 11.09% | +0.08% | 66th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 70.52% | 80.64% | -10.12% | 70th above |
| Core Deposit Ratio | 97.23% | 86.86% | +10.37% | 93rd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.66% | 6.85% | -4.19% | 37th below |
| Loan Growth (Y/Y) | 9.88% | 7.90% | +1.98% | 73rd above |
| Deposit Growth (Y/Y) | 0.79% | 6.29% | -5.50% | 28th below |
See Peoples Bank the's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Peoples Bank the, 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 the profile, how to read a UBPR, or how this data updates.