Peoples Independent Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Peoples Independent Bank of Boaz, AL 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 | 1.66% | 1.34% | +0.32% | 72nd above |
| ROAE | 19.68% | 13.31% | +6.37% | 86th top |
| Net Interest Margin | 3.45% | 3.93% | -0.48% | 25th below |
| Efficiency Ratio | 51.17% | 61.14% | -9.97% | 79th top |
| PPNR / Avg Assets | 1.77% | 1.68% | +0.09% | 61st above |
| Yield on Earning Assets | 5.26% | 5.67% | -0.41% | 33rd below |
| Cost of Funds | 1.98% | 1.88% | +0.10% | 39th below |
| Net Interest Spread | 2.80% | 3.32% | -0.52% | 24th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.30% | 0.94% | -0.64% | 57th above |
| NPA / Total Assets | 0.12% | 0.70% | -0.58% | 67th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.16% | -0.14% | 33rd below |
| ACL / Total Loans | 0.94% | 1.28% | -0.34% | 20th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 311.73% | 1539.30% | -1227.57% | 61st above |
| Texas Ratio | 1.37% | 7.33% | -5.96% | 69th above |
| Provision / NCO | -520.59% | 1396.86% | -1917.45% | 2nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.06% | 19.51% | -5.45% | 39th below |
| Tier 1 Ratio | 14.06% | 19.54% | -5.48% | 39th below |
| Total Capital Ratio | 14.67% | 20.63% | -5.96% | 34th below |
| Leverage Ratio | 9.41% | 12.14% | -2.73% | 20th bottom |
| Equity / Assets | 8.42% | 11.38% | -2.96% | 19th bottom |
| TCE / Tangible Assets | 8.25% | 11.09% | -2.84% | 19th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 42.95% | 80.65% | -37.70% | 95th top |
| Core Deposit Ratio | 90.03% | 86.86% | +3.17% | 55th 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. | 5.22% | 6.85% | -1.63% | 57th above |
| Loan Growth (Y/Y) | -1.24% | 7.91% | -9.15% | 18th bottom |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.11% | 6.29% | -1.18% | 58th above |
See Peoples Independent Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Peoples Independent 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 Independent Bank profile, how to read a UBPR, or how this data updates.