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The Peoples Bank

$100M-$1B Specialty: Consumer AR FDIC cert 12531

Magnolia, AR

4 branches across AR

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 49 in AR.
  • Deposits -2.0% year over year ($136.8M on the books).
  • Delinquency rate 2.27%.
  • Return on assets 1.69%.
  • Efficiency ratio 70.89% vs a 64.48% peer average.
  • Loan-to-deposit ratio 109.18% 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 49 in AR
View $100M-$1B leaderboard (AR) →

The Peoples Bank has 3 strengths but faces 7 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 28.4% in tier
  • + Net Interest Margin 1.66% above tier average
  • + ROA 0.37% above tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 11.6% in tier
  • - Liquidity Strain: Bottom 34.2% in tier
  • - Deposit Outflow: Bottom 36.6% in tier
  • - Margin Compression: Bottom 49.5% in tier
  • - Nonperforming Asset Ratio 1.06% above tier average
  • - Efficiency Ratio 6.41% above tier average
  • - Delinquency Rate 1.35% above 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 (AR) National Avg Tier Percentile
Total Assets ? $195.9M
-2.0% YoY -0.6% QoQ
-$190.7M $386.6M
+1.2% YoY
$2.4B
+2.9% YoY
$6.3B
+7.7% YoY
26%
Total Loans ? $149.3M
-3.8% YoY -0.5% QoQ
-$109.0M $258.3M
+1.7% YoY
$1.7B
+5.8% YoY
$3.2B
+9.4% YoY
35%
Total Deposits ? $136.8M
-2.0% YoY -0.5% QoQ
-$190.0M $326.7M
+0.7% YoY
$2.0B
+2.5% YoY
$4.9B
+7.3% YoY
17%
Return on Assets ? 1.69%
-14.1% YoY +1.4% QoQ
+0.37% 1.32%
+10.8% YoY
1.32%
+8.9% YoY
1.30%
+12.1% YoY
75%
Net Interest Margin ? 5.65%
+4.0% YoY +1.0% QoQ
+1.66% 3.99%
+5.0% YoY
4.10%
+6.0% YoY
3.95%
+4.9% YoY
Top 2.3% in tier
Efficiency Ratio ? 70.89%
+12.0% YoY +0.3% QoQ
+6.41% 64.48%
-3.2% YoY
61.09%
-4.5% YoY
70.05%
+2.5% YoY
28%
Delinquency Rate ? 2.27%
+4.2% YoY -1.6% QoQ
+1.35% 0.92%
+15.7% YoY
1.05%
+22.1% YoY
0.98%
+16.3% YoY
Bottom 10.6% in tier
Loan-to-Deposit Ratio ? 109.18%
-1.9% YoY -0.0% QoQ
+31.23% 77.95%
+1.0% YoY
82.37%
+1.8% YoY
79.03%
+2.3% YoY
Bottom 3.3% in tier
Non-Interest-Bearing Deposit Share ? 18.53%
-4.3% YoY -0.7% QoQ
-3.50% 22.03%
-0.6% YoY
19.62%
+0.3% YoY
21.98%
-0.6% YoY
38%
Nonperforming Asset Ratio ? 1.73%
+1.2% YoY -1.5% QoQ
+1.06% 0.67%
+16.4% YoY
0.84%
+30.0% YoY
0.69%
+15.8% YoY
Bottom 9.5% in tier
Tier 1 Capital Ratio ? 19.74%
+3.4% YoY -0.1% QoQ
+3.83% 15.91%
+1.4% YoY
13.64%
+0.9% YoY
17.09%
+0.8% YoY
Top 14.4% in tier
Non-Interest Income / Assets ? 0.56%
-25.9% YoY +106.1% QoQ
-0.01% 0.57%
+7.6% YoY
0.36%
-4.6% YoY
0.66%
+5.2% YoY
Top 7.7% 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 (AR) National Avg Tier Percentile
Noninterest-Bearing 18.5%
-0.8pp YoY
-0.1pp QoQ
 -3.6pp 22.1% 19.6% 22.2% 38%
Brokered Deposits 2.2%
-1.0pp YoY
+0.1pp QoQ
 -5.6pp 7.9% 7.2% 8.5% 31%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
C&I 6.8%
+0.6pp YoY
-0.1pp QoQ
 -4.8pp 11.6% 12.7% 12.5% 31%
CRE 21.7%
+3.7pp YoY
+0.8pp QoQ
 -17.9pp 39.5% 41.0% 41.4% 21%
1-4 Family 53.7%
0.0pp YoY
0.0pp QoQ
 +21.0pp 32.6% 28.1% 31.3% 85%
Consumer 19.6%
-4.5pp YoY
-0.9pp QoQ
 +15.5pp 4.1% 4.5% 5.0% 98%

Capital

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
CET1 Ratio 19.7%
+0.6pp YoY
0.0pp QoQ
 +0.9pp 18.8% 15.1% 19.7% 77%
Leverage Ratio 13.6%
+0.7pp YoY
-0.2pp QoQ
 +1.4pp 12.2% 11.9% 12.6% 79%
Total Capital Ratio 21.0%
+0.6pp YoY
0.0pp QoQ
 +1.1pp 19.9% 16.3% 20.8% 77%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Full-Time Employees 79
+6 (+8.2%) YoY
+5 (+6.8%) QoQ
 +20 58 315 482 76%
Assets per Employee ($) $2.5M
-9.4% YoY
-6.9% QoQ
 -$5.0M $7.5M $6.7M $8.8M 1%
Branch Count 4
0 YoY
0 QoQ
 -1 4 25 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Past Due 90+ Days 0.2%
+0.2pp YoY
+0.2pp QoQ
 -0.1pp 0.3% 0.1% 0.4% 68%
Nonaccrual 2.1%
-0.1pp YoY
-0.2pp QoQ
 +1.1pp 0.9% 1.1% 1.0% 88%
Allowance Coverage 0.75x
-16.4% YoY
-4.2% QoQ
 -23.40x 24.15x 4.69x 20.23x 19%
Net Charge-off Rate (YTD) 0.3%
-0.4pp YoY
+0.1pp QoQ
 +0.1pp 0.1% 0.2% 0.2% 89%

Profitability

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
ROE 12.0%
-2.9pp YoY
+0.2pp QoQ
 -0.2pp 12.2% 12.3% 11.6% 50%
Cost of Funds (YTD) 1.5%
-0.2pp YoY
0.0pp QoQ
 -0.2pp 1.7% 2.0% 1.7% 38%
Net Income ($, YTD) $1.7M
-17.7% YoY
— QoQ
 -$897K $2.6M $16.0M $40.4M 45%

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 (1)

Revenue Diversifier

growth
#189 of 661 • Top 28.4% 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: 0.56%
(Tier: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 1.69%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

Concerns (4)

Liquidity Overhang

risk
#87 of 742 • Bottom 11.6% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 19.74%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 109.18%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

Liquidity Strain

risk
#237 of 691 • Bottom 34.2% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 109.18%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Deposit Outflow

decline
#197 of 535 • Bottom 36.6% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank declining

Margin Compression

decline
#153 of 307 • Bottom 49.5% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.69%
(Tier: 1.32%, National: 1.30%)
better than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank declining

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 (4 metrics)

61
Net Interest Margin
profitability
Value: 5.65%
Peer Median: 3.99%
#61 of 2643 Top 2.3% in $100M-$1B
204
Non-Interest Income / Assets
revenue_mix
Value: 0.56%
Peer Median: 0.57%
#204 of 2643 Top 7.7% in $100M-$1B
381
Tier 1 Capital Ratio
capital
Value: 19.74%
Peer Median: 15.91%
#381 of 2643 Top 14.4% in $100M-$1B
650
Return on Assets
profitability
Value: 1.69%
Peer Median: 1.32%
#650 of 2643 Top 24.6% in $100M-$1B

Top Weaknesses (4 metrics)

2556
Loan-to-Deposit Ratio
liquidity
Value: 109.18%
Peer Median: 77.95%
#2556 of 2643 Bottom 3.3% in $100M-$1B
2392
Nonperforming Asset Ratio
credit_quality
Value: 1.73%
Peer Median: 0.67%
#2392 of 2643 Bottom 9.5% in $100M-$1B
2356
Delinquency Rate
credit_quality
Value: 2.27%
Peer Median: 0.92%
#2356 of 2633 Bottom 10.6% in $100M-$1B
2187
Total Deposits
size
Value: $136.77M
Peer Median: $326.73M
#2187 of 2643 Bottom 17.3% in $100M-$1B
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