The Peoples Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Peoples Bank of Gambier, OH against its peer group of 536 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 | 0.38% | 3.14% | -2.76% | 22nd bottom |
| ROAE | 4.02% | 10.43% | -6.41% | 29th below |
| Net Interest Margin | 4.06% | 3.93% | +0.13% | 59th above |
| Efficiency Ratio | 85.80% | 76.29% | +9.51% | 23rd bottom |
| PPNR / Avg Assets | 0.62% | 1.40% | -0.78% | 24th bottom |
| Yield on Earning Assets | 4.78% | 5.35% | -0.57% | 31st below |
| Cost of Funds | 0.79% | 1.71% | -0.92% | 88th top |
| Net Interest Spread | 3.44% | 3.31% | +0.13% | 56th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.30% | 1.34% | -1.04% | 50th above |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.15% | 0.71% | -0.56% | 48th below |
| NCO / Avg Loans | -0.82% | 0.11% | -0.93% | 99th top |
| ACL / Total Loans | 0.74% | 1.49% | -0.75% | 12th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 251.61% | 865.66% | -614.05% | 65th above |
| Texas Ratio | 1.74% | 8.26% | -6.52% | 53rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 23.81% | 62.00% | -38.19% | 56th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 23.81% | 62.00% | -38.19% | 56th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 24.67% | 62.97% | -38.30% | 55th above |
| Leverage Ratio | 10.81% | 17.62% | -6.81% | 27th below |
| Equity / Assets | 9.61% | 16.43% | -6.82% | 23rd bottom |
| TCE / Tangible Assets | 9.61% | 16.19% | -6.58% | 24th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 57.97% | 72.85% | -14.88% | 62nd above |
| Core Deposit Ratio | 96.79% | 88.20% | +8.59% | 82nd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.41% | 4.31% | -1.90% | 49th below |
| Loan Growth (Y/Y) | -2.75% | 6.74% | -9.49% | 28th below |
| Deposit Growth (Y/Y) | 1.65% | 3.77% | -2.12% | 48th below |
See The Peoples Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The 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 The Peoples Bank profile, how to read a UBPR, or how this data updates.