Peoples Exchange Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Peoples Exchange Bank of Monroeville, AL against its peer group of 536 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 Behind the peer average, ahead of the median peer. | 1.15% | 3.14% | -1.99% | 56th above |
| ROAE Behind the peer average, ahead of the median peer. | 10.01% | 10.42% | -0.41% | 59th above |
| Net Interest Margin | 4.08% | 3.93% | +0.15% | 60th above |
| Efficiency Ratio | 66.41% | 76.33% | -9.92% | 57th above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.33% | 1.40% | -0.07% | 56th above |
| Yield on Earning Assets | 5.63% | 5.35% | +0.28% | 66th above |
| Cost of Funds | 1.95% | 1.70% | +0.25% | 31st below |
| Net Interest Spread | 3.14% | 3.31% | -0.17% | 40th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.44% | 1.34% | +1.10% | 13th bottom |
| NPA / Total Assets | 1.63% | 0.71% | +0.92% | 12th bottom |
| NCO / Avg Loans | 0.44% | 0.10% | +0.34% | 5th bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.40% | 1.49% | -0.09% | 63rd above |
| ACL / NPLs (Coverage) | 57.61% | 867.41% | -809.80% | 22nd bottom |
| Texas Ratio | 13.24% | 8.24% | +5.00% | 14th bottom |
| Provision / NCO | 26.23% | 316.30% | -290.07% | 45th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 13.46% | 17.62% | -4.16% | 53rd above |
| Equity / Assets | 11.58% | 16.44% | -4.86% | 42nd below |
| TCE / Tangible Assets | 11.58% | 16.19% | -4.61% | 45th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 61.32% | 72.86% | -11.54% | 59th above |
| Core Deposit Ratio | 92.06% | 88.20% | +3.86% | 54th above |
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. | 3.41% | 4.31% | -0.90% | 55th above |
| Loan Growth (Y/Y) | -4.56% | 6.75% | -11.31% | 21st bottom |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 2.55% | 3.77% | -1.22% | 53rd above |
See Peoples Exchange Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Peoples Exchange 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 Peoples Exchange Bank profile, how to read a UBPR, or how this data updates.