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 Magnolia, AR 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 | 1.71% | 1.35% | +0.36% | 74th above |
| ROAE Ahead of the peer average, behind the median peer. | 12.11% | 12.05% | +0.06% | 49th below |
| Net Interest Margin | 5.53% | 3.90% | +1.63% | 97th top |
| Efficiency Ratio | 71.12% | 63.15% | +7.97% | 26th below |
| PPNR / Avg Assets | 1.71% | 1.64% | +0.07% | 57th above |
| Yield on Earning Assets | 7.02% | 5.65% | +1.37% | 95th top |
| Cost of Funds | 1.63% | 1.85% | -0.22% | 61st above |
| Net Interest Spread | 5.10% | 3.35% | +1.75% | 98th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.55% | 0.92% | +1.63% | 9th bottom |
| NPA / Total Assets | 1.98% | 0.67% | +1.31% | 8th bottom |
| NCO / Avg Loans | 0.35% | 0.14% | +0.21% | 8th bottom |
| ACL / Total Loans | 1.69% | 1.28% | +0.41% | 87th top |
| ACL / NPLs (Coverage) | 66.03% | 1645.81% | -1579.78% | 17th bottom |
| Texas Ratio | 14.46% | 7.15% | +7.31% | 13th bottom |
| Provision / NCO | -23.81% | 1189.94% | -1213.75% | 5th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 19.74% | 20.83% | -1.09% | 76th top |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 19.74% | 20.86% | -1.12% | 76th top |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 21.00% | 21.94% | -0.94% | 77th top |
| Leverage Ratio | 13.59% | 12.46% | +1.13% | 79th top |
| Equity / Assets | 14.12% | 11.67% | +2.45% | 85th top |
| TCE / Tangible Assets | 13.62% | 11.40% | +2.22% | 84th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 111.06% | 78.63% | +32.43% | 3rd bottom |
| Core Deposit Ratio | 91.91% | 87.09% | +4.82% | 67th above |
| Wholesale Funding Ratio | 15.39% | 5.11% | +10.28% | 4th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.99% | 6.48% | -8.47% | 11th bottom |
| Loan Growth (Y/Y) | -4.03% | 7.64% | -11.67% | 10th bottom |
| Deposit Growth (Y/Y) | -1.97% | 6.03% | -8.00% | 14th 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.