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 Ripley, MS 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 | 0.95% | 1.35% | -0.40% | 30th below |
| ROAE | 10.80% | 12.05% | -1.25% | 41st below |
| Net Interest Margin | 2.81% | 3.90% | -1.09% | 7th bottom |
| Efficiency Ratio | 54.84% | 63.15% | -8.31% | 70th above |
| PPNR / Avg Assets | 1.42% | 1.64% | -0.22% | 39th below |
| Yield on Earning Assets | 4.64% | 5.65% | -1.01% | 12th bottom |
| Cost of Funds | 1.66% | 1.85% | -0.19% | 59th above |
| Net Interest Spread | 2.30% | 3.35% | -1.05% | 8th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.32% | 0.92% | -0.60% | 56th above |
| NPA / Total Assets | 0.13% | 0.67% | -0.54% | 66th above |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.39% | 1.28% | +0.11% | 71st above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 434.33% | 1645.65% | -1211.32% | 68th above |
| Texas Ratio | 1.49% | 7.15% | -5.66% | 67th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 20.58% | 20.83% | -0.25% | 79th top |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 20.58% | 20.86% | -0.28% | 79th top |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 21.72% | 21.94% | -0.22% | 79th top |
| Leverage Ratio | 10.25% | 12.46% | -2.21% | 37th below |
| Equity / Assets | 8.96% | 11.67% | -2.71% | 27th below |
| TCE / Tangible Assets | 8.89% | 11.40% | -2.51% | 29th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 45.86% | 78.66% | -32.80% | 93rd top |
| Core Deposit Ratio | 79.97% | 87.10% | -7.13% | 16th bottom |
| Wholesale Funding Ratio | 0.79% | 5.12% | -4.33% | 85th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.40% | 6.47% | -1.07% | 58th above |
| Loan Growth (Y/Y) | 10.84% | 7.64% | +3.20% | 76th top |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.15% | 6.02% | -0.87% | 58th above |
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.