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 Pratt, KS 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 | 2.44% | 1.34% | +1.10% | 94th top |
| ROAE | 32.68% | 13.30% | +19.38% | 98th top |
| Net Interest Margin | 4.04% | 3.93% | +0.11% | 55th above |
| Efficiency Ratio | 49.43% | 61.15% | -11.72% | 82nd top |
| PPNR / Avg Assets | 2.48% | 1.68% | +0.80% | 89th top |
| Yield on Earning Assets | 5.56% | 5.67% | -0.11% | 48th below |
| Cost of Funds | 1.58% | 1.88% | -0.30% | 64th above |
| Net Interest Spread | 3.23% | 3.32% | -0.09% | 45th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.33% | 0.94% | -0.61% | 55th above |
| NPA / Total Assets | 1.03% | 0.70% | +0.33% | 19th bottom |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 84th top |
| ACL / Total Loans | 1.64% | 1.28% | +0.36% | 85th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 493.11% | 1539.26% | -1046.15% | 71st above |
| Texas Ratio | 15.48% | 7.33% | +8.15% | 12th bottom |
| Provision / NCO | 7650.00% | 1390.59% | +6259.41% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.52% | 19.51% | -3.99% | 54th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.52% | 19.54% | -4.02% | 54th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.77% | 20.62% | -3.85% | 55th above |
| Leverage Ratio | 9.29% | 12.14% | -2.85% | 17th bottom |
| Equity / Assets | 7.70% | 11.38% | -3.68% | 11th bottom |
| TCE / Tangible Assets | 6.04% | 11.10% | -5.06% | 3rd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 54.84% | 80.65% | -25.81% | 88th top |
| Core Deposit Ratio | 79.50% | 86.86% | -7.36% | 15th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.74% | 6.85% | -5.11% | 31st below |
| Loan Growth (Y/Y) | 4.47% | 7.90% | -3.43% | 45th below |
| Deposit Growth (Y/Y) | 0.61% | 6.29% | -5.68% | 27th below |
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.