Peoplestrust Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Peoplestrust Bank of Hamilton, AL against its peer group of 2757 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 | 0.96% | 1.25% | -0.29% | 30th below |
| ROAE | 9.09% | 13.17% | -4.08% | 30th below |
| Net Interest Margin | 3.70% | 3.95% | -0.25% | 36th below |
| Efficiency Ratio | 64.40% | 61.50% | +2.90% | 40th below |
| PPNR / Avg Assets | 1.31% | — | — | 34th below |
| Yield on Earning Assets | 6.16% | 5.67% | +0.49% | 75th top |
| Cost of Funds | 2.64% | 1.87% | +0.77% | 12th bottom |
| Net Interest Spread | 2.96% | — | — | 31st below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.50% | 0.93% | -0.43% | 45th below |
| NPA / Total Assets | 0.43% | — | — | 42nd below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.08% | 0.15% | -0.07% | 21st bottom |
| ACL / Total Loans | 1.51% | — | — | 79th top |
| ACL / NPLs (Coverage) | 303.31% | — | — | 60th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.55% | 6.06% | -2.51% | 43rd below |
| Provision / NCO | 0.00% | — | — | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.11% | 11.75% | -0.64% | 52nd above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.55% | 10.98% | -0.43% | 53rd above |
| TCE / Tangible Assets | 10.34% | — | — | 53rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 75.26% | 80.44% | -5.18% | 62nd above |
| Core Deposit Ratio | 73.36% | 86.95% | -13.59% | 7th bottom |
| Wholesale Funding Ratio | 0.50% | — | — | 90th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.44% | — | — | 42nd below |
| Loan Growth (Y/Y) | -0.85% | — | — | 19th bottom |
| Deposit Growth (Y/Y) | 2.69% | — | — | 40th below |
See Peoplestrust Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Peoplestrust 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 Peoplestrust Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Peoplestrust Bank peer analysis.