Peoples Community Bank SB of Monticello, Indiana: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Peoples Community Bank SB of Monticello, Indiana of Monticello, IN against its peer group of 506 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 | 0.36% | 3.13% | -2.77% | 22nd bottom |
| ROAE | 1.11% | 10.31% | -9.20% | 17th bottom |
| Net Interest Margin | 3.95% | 3.94% | +0.01% | 54th above |
| Efficiency Ratio | 76.89% | 76.31% | +0.58% | 37th below |
| PPNR / Avg Assets | 0.92% | 1.40% | -0.48% | 36th below |
| Yield on Earning Assets | 5.86% | 5.35% | +0.51% | 72nd above |
| Cost of Funds | 4.02% | 1.70% | +2.32% | 1st bottom |
| Net Interest Spread | 2.97% | 3.32% | -0.35% | 32nd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.84% | 1.33% | +1.51% | 11th bottom |
| NPA / Total Assets | 2.66% | 0.71% | +1.95% | 6th bottom |
| NCO / Avg Loans | 0.00% | 0.10% | -0.10% | 53rd above |
| ACL / Total Loans | 0.90% | 1.49% | -0.59% | 20th bottom |
| ACL / NPLs (Coverage) | 31.63% | 866.63% | -835.00% | 8th bottom |
| Texas Ratio Ahead of the peer average, behind the median peer. | 8.12% | 8.26% | -0.14% | 24th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 32.00% | 17.63% | +14.37% | 88th top |
| Equity / Assets | 31.97% | 16.43% | +15.54% | 88th top |
| TCE / Tangible Assets | 31.97% | 16.17% | +15.80% | 88th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 205.86% | 72.68% | +133.18% | 0th bottom |
| Core Deposit Ratio | 97.30% | 88.27% | +9.03% | 84th top |
| Wholesale Funding Ratio | 21.07% | 5.13% | +15.94% | 2nd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.08% | 4.26% | -2.18% | 46th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 3.16% | 6.76% | -3.60% | 53rd above |
| Deposit Growth (Y/Y) | -1.48% | 3.73% | -5.21% | 26th below |
See Peoples Community Bank SB of Monticello, Indiana's peers by name
The 506 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Peoples Community Bank SB of Monticello, Indiana, 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 Community Bank SB of Monticello, Indiana profile, how to read a UBPR, or how this data updates.