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 Marion, KY 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 | 1.15% | 1.35% | -0.20% | 42nd below |
| ROAE | 10.23% | 12.05% | -1.82% | 37th below |
| Net Interest Margin | 4.11% | 3.90% | +0.21% | 59th above |
| Efficiency Ratio | 68.93% | 63.15% | +5.78% | 30th below |
| PPNR / Avg Assets | 1.36% | 1.64% | -0.28% | 37th below |
| Yield on Earning Assets | 6.47% | 5.65% | +0.82% | 86th top |
| Cost of Funds | 2.50% | 1.85% | +0.65% | 15th bottom |
| Net Interest Spread | 3.63% | 3.35% | +0.28% | 66th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.30% | 0.92% | -0.62% | 57th above |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.51% | 0.67% | -0.16% | 38th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.15% | -0.14% | 39th below |
| ACL / Total Loans | 1.50% | 1.28% | +0.22% | 78th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 500.30% | 1645.63% | -1145.33% | 71st above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.08% | 7.15% | -3.07% | 46th below |
| Provision / NCO | 134.33% | 1189.84% | -1055.51% | 47th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.55% | 12.46% | -0.91% | 59th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.32% | 11.67% | -0.35% | 64th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 11.32% | 11.40% | -0.08% | 67th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 92.88% | 78.64% | +14.24% | 23rd bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.51% | 87.09% | +0.42% | 41st below |
| Wholesale Funding Ratio | 0.13% | 5.12% | -4.99% | 96th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -2.29% | 6.48% | -8.77% | 10th bottom |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.44% | 7.64% | -0.20% | 63rd above |
| Deposit Growth (Y/Y) | -3.45% | 6.03% | -9.48% | 9th bottom |
See The Peoples Bank's peers by name
The 2672 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.