The Peoples State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Peoples State Bank of Ellettsville, IN against its peer group of 2603 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 | 1.55% | 1.34% | +0.21% | 66th above |
| ROAE | 17.05% | 13.32% | +3.73% | 76th top |
| Net Interest Margin | 3.71% | 3.93% | -0.22% | 37th below |
| Efficiency Ratio Behind the peer average, ahead of the median peer. | 61.52% | 61.13% | +0.39% | 50th above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.58% | 1.68% | -0.10% | 50th above |
| Yield on Earning Assets | 5.28% | 5.67% | -0.39% | 34th below |
| Cost of Funds | 1.71% | 1.88% | -0.17% | 56th above |
| Net Interest Spread | 3.08% | 3.32% | -0.24% | 37th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.19% | 0.94% | -0.75% | 65th above |
| NPA / Total Assets | 0.10% | 0.70% | -0.60% | 69th above |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 75th top |
| ACL / Total Loans | 1.01% | 1.28% | -0.27% | 28th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 530.19% | 1546.67% | -1016.48% | 72nd above |
| Texas Ratio | 1.07% | 7.34% | -6.27% | 72nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.47% | 12.14% | -1.67% | 41st below |
| Equity / Assets | 9.34% | 11.37% | -2.03% | 33rd below |
| TCE / Tangible Assets | 9.20% | 11.08% | -1.88% | 35th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 62.43% | 80.67% | -18.24% | 80th top |
| Core Deposit Ratio | 95.86% | 86.85% | +9.01% | 88th top |
| Wholesale Funding Ratio | 2.52% | 5.04% | -2.52% | 62nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.95% | 6.84% | +2.11% | 79th top |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.19% | 7.92% | -0.73% | 61st above |
| Deposit Growth (Y/Y) | 9.35% | 6.29% | +3.06% | 81st top |
See The Peoples State Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The 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 The Peoples State Bank profile, how to read a UBPR, or how this data updates.