Peoples Bank & Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Peoples Bank & Trust of Buford, 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 | 1.41% | 1.34% | +0.07% | 58th above |
| ROAE | 15.40% | 13.31% | +2.09% | 68th above |
| Net Interest Margin | 4.07% | 3.93% | +0.14% | 57th above |
| Efficiency Ratio | 43.72% | 61.15% | -17.43% | 91st top |
| PPNR / Avg Assets | 2.21% | 1.68% | +0.53% | 80th top |
| Yield on Earning Assets | 5.43% | 5.67% | -0.24% | 41st below |
| Cost of Funds | 1.20% | 1.88% | -0.68% | 85th top |
| Net Interest Spread | 3.51% | 3.32% | +0.19% | 60th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.16% | 0.94% | -0.78% | 67th above |
| NPA / Total Assets | 0.08% | 0.70% | -0.62% | 72nd above |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.03% | 1.28% | -0.25% | 29th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 659.00% | 1539.20% | -880.20% | 76th top |
| Texas Ratio | 0.81% | 7.33% | -6.52% | 75th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.81% | 12.14% | -1.33% | 47th below |
| Equity / Assets | 9.58% | 11.38% | -1.80% | 37th below |
| TCE / Tangible Assets | 9.58% | 11.09% | -1.51% | 41st below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 58.53% | 80.65% | -22.12% | 85th top |
| Core Deposit Ratio | 77.89% | 86.87% | -8.98% | 12th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.66% | 6.85% | -5.19% | 30th below |
| Loan Growth (Y/Y) | 19.62% | 7.90% | +11.72% | 92nd top |
| Deposit Growth (Y/Y) | -0.02% | 6.29% | -6.31% | 23rd bottom |
See Peoples Bank & Trust's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Peoples Bank & Trust, 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 Peoples Bank & Trust profile, how to read a UBPR, or how this data updates.