Peoples State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Peoples State Bank of Blair, OK 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 Behind the peer average, ahead of the median peer. | 1.18% | 3.13% | -1.95% | 56th above |
| ROAE Behind the peer average, ahead of the median peer. | 9.11% | 10.30% | -1.19% | 53rd above |
| Net Interest Margin | 6.54% | 3.94% | +2.60% | 99th top |
| Efficiency Ratio | 81.53% | 76.31% | +5.22% | 28th below |
| PPNR / Avg Assets | 1.18% | 1.40% | -0.22% | 47th below |
| Yield on Earning Assets | 6.90% | 5.35% | +1.55% | 94th top |
| Cost of Funds | 0.36% | 1.70% | -1.34% | 97th top |
| Net Interest Spread | 6.31% | 3.32% | +2.99% | 99th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.34% | -1.34% | 83rd top |
| NPA / Total Assets | 0.00% | 0.71% | -0.71% | 81st top |
| NCO / Avg Loans | -0.04% | 0.10% | -0.14% | 90th top |
| ACL / Total Loans | 0.84% | 1.49% | -0.65% | 17th bottom |
| Texas Ratio | 0.00% | 8.27% | -8.27% | 84th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.04% | 17.64% | -4.60% | 49th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 13.01% | 16.45% | -3.44% | 54th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 13.01% | 16.19% | -3.18% | 57th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 80.67% | 72.83% | +7.84% | 30th below |
| Core Deposit Ratio | 100.00% | 88.27% | +11.73% | 97th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.49% | 4.26% | -2.77% | 42nd below |
| Loan Growth (Y/Y) | -3.43% | 6.76% | -10.19% | 25th below |
| Deposit Growth (Y/Y) | 1.27% | 3.72% | -2.45% | 46th below |
See Peoples State Bank's peers by name
The 506 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Peoples State 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 State Bank profile, how to read a UBPR, or how this data updates.