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 Willacoochee, GA 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 | 0.76% | 1.35% | -0.59% | 21st bottom |
| ROAE | 6.15% | 12.06% | -5.91% | 18th bottom |
| Net Interest Margin | 3.16% | 3.90% | -0.74% | 15th bottom |
| Efficiency Ratio | 77.67% | 63.14% | +14.53% | 16th bottom |
| PPNR / Avg Assets | 0.76% | 1.64% | -0.88% | 14th bottom |
| Yield on Earning Assets | 4.49% | 5.65% | -1.16% | 9th bottom |
| Cost of Funds | 1.46% | 1.85% | -0.39% | 71st above |
| Net Interest Spread | 2.44% | 3.35% | -0.91% | 12th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.26% | 0.92% | +0.34% | 23rd bottom |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.43% | 0.67% | -0.24% | 42nd below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.05% | 0.15% | -0.10% | 25th below |
| ACL / Total Loans | 0.66% | 1.28% | -0.62% | 6th bottom |
| ACL / NPLs (Coverage) | 52.65% | 1645.82% | -1593.17% | 12th bottom |
| Texas Ratio | 3.33% | 7.15% | -3.82% | 51st above |
| Provision / NCO | 0.00% | 1189.92% | -1189.92% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 12.45% | 12.46% | -0.01% | 69th above |
| Equity / Assets | 12.70% | 11.67% | +1.03% | 76th top |
| TCE / Tangible Assets | 12.70% | 11.40% | +1.30% | 78th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 39.22% | 78.66% | -39.44% | 96th top |
| Core Deposit Ratio | 85.81% | 87.09% | -1.28% | 33rd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.06% | 6.48% | -6.42% | 20th bottom |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.73% | 7.64% | -0.91% | 58th above |
| Deposit Growth (Y/Y) | -0.44% | 6.03% | -6.47% | 21st 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.