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The Peoples Bank

$100M-$1B Specialty: Agricultural KS FDIC cert 1147

Pratt, KS

5 branches across KS

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 117 in KS.
  • Deposits +0.6% year over year ($486.6M on the books).
  • Delinquency rate 0.37%.
  • Return on assets 3.00%.
  • Efficiency ratio 43.49% vs a 64.48% peer average.
  • Loan-to-deposit ratio 53.94% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 117 in KS
View $100M-$1B leaderboard (KS) →

The Peoples Bank has 4 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Revenue Diversifier: Top 0.1% in tier
  • + Profitability Leader: Top 0.5% in tier
  • + Efficiency Ratio 20.99% below tier average
  • + Delinquency Rate 0.55% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 13.3% in tier
  • - Credit Quality Pressure: Bottom 24.0% in tier
  • - Net Interest Margin 0.16% below tier average
Get updates when The Peoples Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Total Assets ? $531.1M
+1.7% YoY -3.1% QoQ
+$144.5M $386.6M
+1.2% YoY
$513.9M
+7.1% YoY
$6.3B
+7.7% YoY
75%
Total Loans ? $262.5M
+4.1% YoY +0.7% QoQ
+$4.1M $258.3M
+1.7% YoY
$343.7M
+7.8% YoY
$3.2B
+9.4% YoY
61%
Total Deposits ? $486.6M
+0.6% YoY -3.6% QoQ
+$159.8M $326.7M
+0.7% YoY
$426.3M
+7.4% YoY
$4.9B
+7.3% YoY
78%
Return on Assets ? 3.00%
+101.4% YoY -15.1% QoQ
+1.68% 1.32%
+10.8% YoY
1.56%
+14.6% YoY
1.30%
+12.1% YoY
Top 2.0% in tier
Net Interest Margin ? 3.83%
+9.4% YoY +6.1% QoQ
-0.16% 3.99%
+5.0% YoY
3.99%
+4.5% YoY
3.95%
+4.9% YoY
44%
Efficiency Ratio ? 43.49%
-29.7% YoY +13.2% QoQ
-20.99% 64.48%
-3.2% YoY
60.13%
-4.7% YoY
70.05%
+2.5% YoY
Top 7.1% in tier
Delinquency Rate ? 0.37%
+31.5% YoY +43.2% QoQ
-0.55% 0.92%
+15.7% YoY
0.82%
+9.9% YoY
0.98%
+16.3% YoY
53%
Loan-to-Deposit Ratio ? 53.94%
+3.5% YoY +4.5% QoQ
-24.01% 77.95%
+1.0% YoY
72.94%
+0.4% YoY
79.03%
+2.3% YoY
Top 11.5% in tier
Non-Interest-Bearing Deposit Share ? 32.24%
+3.0% YoY -2.0% QoQ
+10.21% 22.03%
-0.6% YoY
22.01%
-1.4% YoY
21.98%
-0.6% YoY
Top 13.8% in tier
Nonperforming Asset Ratio ? 1.05%
+15.7% YoY +9.1% QoQ
+0.38% 0.67%
+16.4% YoY
0.53%
+8.8% YoY
0.69%
+15.8% YoY
19%
Tier 1 Capital Ratio ? 15.52%
+4.3% YoY +2.0% QoQ
-0.39% 15.91%
+1.4% YoY
17.75%
-1.2% YoY
17.09%
+0.8% YoY
70%
Non-Interest Income / Assets ? 1.07%
+89.5% YoY +45.4% QoQ
+0.50% 0.57%
+7.6% YoY
0.59%
-1.1% YoY
0.66%
+5.2% YoY
Top 3.1% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Noninterest-Bearing 32.2%
+0.9pp YoY
-0.7pp QoQ
 +10.1pp 22.1% 22.3% 22.2% 86%
Brokered Deposits 5.9%
-2.1pp YoY
+0.2pp QoQ
 -2.0pp 7.9% 8.7% 8.5% 58%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
C&I 7.4%
-0.4pp YoY
+1.3pp QoQ
 -4.1pp 11.6% 12.6% 12.5% 36%
CRE 6.9%
-0.7pp YoY
+0.1pp QoQ
 -32.7pp 39.5% 28.8% 41.4% 2%
1-4 Family 12.8%
-1.1pp YoY
-0.3pp QoQ
 -19.9pp 32.6% 26.7% 31.3% 15%
Consumer 1.9%
0.0pp YoY
0.0pp QoQ
 -2.2pp 4.1% 4.6% 5.0% 46%

Capital

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
CET1 Ratio 15.5%
+0.6pp YoY
+0.3pp QoQ
 -3.3pp 18.8% 23.3% 19.7% 54%
Leverage Ratio 9.3%
+0.7pp YoY
+0.1pp QoQ
 -2.9pp 12.2% 12.6% 12.6% 17%
Total Capital Ratio 16.8%
+0.8pp YoY
+0.3pp QoQ
 -3.2pp 19.9% 24.4% 20.8% 55%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Full-Time Employees 76
-6 (-7.3%) YoY
0 QoQ
 +17 58 70 482 75%
Assets per Employee ($) $7.0M
+9.8% YoY
-3.1% QoQ
 -$530K $7.5M $7.1M $8.8M 52%
Branch Count 5
0 YoY
0 QoQ
 0 4 6 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
 -0.3pp 0.3% 0.4% 0.4% 34%
Nonaccrual 0.3%
+0.1pp YoY
+0.1pp QoQ
 -0.6pp 0.9% 0.8% 1.0% 42%
Allowance Coverage 4.46x
-2.3% YoY
-30.5% QoQ
 -19.70x 24.15x 22.44x 20.23x 68%
Net Charge-off Rate (YTD) 0.0%
-0.4pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 35%

Profitability

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
ROE 41.9%
+18.8pp YoY
-9.3pp QoQ
 +29.7pp 12.2% 14.3% 11.6% 99%
Cost of Funds (YTD) 1.5%
-0.4pp YoY
0.0pp QoQ
 -0.2pp 1.7% 1.6% 1.7% 38%
Net Income ($, YTD) $8.2M
+109.8% YoY
— QoQ
 +$5.6M $2.6M $3.7M $40.4M 97%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Revenue Diversifier

growth
#1 of 661 • Top 0.1% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 1.07%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 3.00%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

Profitability Leader

growth
#4 of 661 • Top 0.5% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 3.00%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

Concerns (2)

Credit Risk Growth

risk
#126 of 936 • Bottom 13.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Credit Quality Pressure

risk
#303 of 1256 • Bottom 24.0% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.37%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (6 metrics)

53
Return on Assets
profitability
Value: 3.00%
Peer Median: 1.32%
#53 of 2643 Top 2.0% in $100M-$1B
83
Non-Interest Income / Assets
revenue_mix
Value: 1.07%
Peer Median: 0.57%
#83 of 2643 Top 3.1% in $100M-$1B
189
Efficiency Ratio
profitability
Value: 43.49%
Peer Median: 64.48%
#189 of 2643 Top 7.1% in $100M-$1B
306
Loan-to-Deposit Ratio
liquidity
Value: 53.94%
Peer Median: 77.95%
#306 of 2643 Top 11.5% in $100M-$1B
367
Non-Interest-Bearing Deposit Share
funding
Value: 32.24%
Peer Median: 22.03%
#367 of 2643 Top 13.8% in $100M-$1B
573
Total Deposits
size
Value: $486.56M
Peer Median: $326.73M
#573 of 2643 Top 21.6% in $100M-$1B

Top Weaknesses (1 metrics)

2135
Nonperforming Asset Ratio
credit_quality
Value: 1.05%
Peer Median: 0.67%
#2135 of 2643 Bottom 19.3% in $100M-$1B
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