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 Sardis, TN 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 | 0.84% | 1.34% | -0.50% | 25th below |
| ROAE | 8.81% | 13.31% | -4.50% | 29th below |
| Net Interest Margin | 4.41% | 3.93% | +0.48% | 75th top |
| Efficiency Ratio | 72.70% | 61.14% | +11.56% | 23rd bottom |
| PPNR / Avg Assets | 1.24% | 1.68% | -0.44% | 31st below |
| Yield on Earning Assets | 6.17% | 5.67% | +0.50% | 76th top |
| Cost of Funds | 1.90% | 1.88% | +0.02% | 43rd below |
| Net Interest Spread | 3.70% | 3.32% | +0.38% | 71st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.82% | 0.94% | -0.12% | 33rd below |
| NPA / Total Assets | 1.02% | 0.70% | +0.32% | 20th bottom |
| NCO / Avg Loans | 0.40% | 0.16% | +0.24% | 7th bottom |
| ACL / Total Loans | 0.75% | 1.28% | -0.53% | 8th bottom |
| ACL / NPLs (Coverage) | 91.44% | 1538.85% | -1447.41% | 25th below |
| Texas Ratio | 16.77% | 7.33% | +9.44% | 11th bottom |
| Provision / NCO | 52.56% | 1395.71% | -1343.15% | 28th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.62% | 12.14% | -1.52% | 44th below |
| Equity / Assets | 9.80% | 11.37% | -1.57% | 41st below |
| TCE / Tangible Assets | 9.77% | 11.09% | -1.32% | 45th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 75.40% | 80.64% | -5.24% | 61st above |
| Core Deposit Ratio | 90.33% | 86.86% | +3.47% | 57th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.50% | 6.85% | -3.35% | 43rd below |
| Loan Growth (Y/Y) | 1.31% | 7.90% | -6.59% | 28th below |
| Deposit Growth (Y/Y) | 3.30% | 6.29% | -2.99% | 45th 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.