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Peoples Trust and Savings Bank

$100M-$1B Specialty: Mortgage IN FDIC cert 13113

Boonville, IN

5 branches across IN

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 60 in IN.
  • Deposits -2.0% year over year ($192.4M on the books).
  • Delinquency rate 2.11%.
  • Return on assets 0.11%.
  • Efficiency ratio 93.40% vs a 64.48% peer average.
  • Loan-to-deposit ratio 90.38% 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 60 in IN
View $100M-$1B leaderboard (IN) →

Peoples Trust and Savings Bank faces 6 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 3.3% in tier
  • - Return on Assets 1.21% below tier average
  • - Net Interest Margin 1.28% below tier average
  • - Efficiency Ratio 28.92% above tier average
  • - Non-Interest-Bearing Deposit Share 21.08% below tier average
  • - Delinquency Rate 1.19% above tier average
Get updates when Peoples Trust and Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Total Assets ? $240.6M
-1.4% YoY -3.1% QoQ
-$145.9M $386.6M
+1.2% YoY
$2.5B
+3.7% YoY
$6.3B
+7.7% YoY
34%
Total Loans ? $173.9M
-2.3% YoY +0.4% QoQ
-$84.5M $258.3M
+1.7% YoY
$1.8B
+5.7% YoY
$3.2B
+9.4% YoY
42%
Total Deposits ? $192.4M
-2.0% YoY -3.8% QoQ
-$134.4M $326.7M
+0.7% YoY
$2.0B
+3.4% YoY
$4.9B
+7.3% YoY
32%
Return on Assets ? 0.11%
+128.8% YoY +207.8% QoQ
-1.21% 1.32%
+10.8% YoY
1.07%
+3.3% YoY
1.30%
+12.1% YoY
Bottom 4.5% in tier
Net Interest Margin ? 2.70%
+3.6% YoY +4.2% QoQ
-1.28% 3.99%
+5.0% YoY
3.70%
+8.1% YoY
3.95%
+4.9% YoY
Bottom 4.8% in tier
Efficiency Ratio ? 93.40%
-7.5% YoY -5.2% QoQ
+28.92% 64.48%
-3.2% YoY
77.20%
+13.2% YoY
70.05%
+2.5% YoY
Bottom 3.8% in tier
Delinquency Rate ? 2.11%
+83.3% YoY -13.9% QoQ
+1.19% 0.92%
+15.7% YoY
0.91%
+27.8% YoY
0.98%
+16.3% YoY
Bottom 11.8% in tier
Loan-to-Deposit Ratio ? 90.38%
-0.3% YoY +4.3% QoQ
+12.43% 77.95%
+1.0% YoY
81.91%
+1.2% YoY
79.03%
+2.3% YoY
25%
Non-Interest-Bearing Deposit Share ? 0.95%
+29.3% YoY +27.5% QoQ
-21.08% 22.03%
-0.6% YoY
16.57%
-2.9% YoY
21.98%
-0.6% YoY
Bottom 1.2% in tier
Nonperforming Asset Ratio ? 1.52%
+81.6% YoY -10.8% QoQ
+0.85% 0.67%
+16.4% YoY
0.69%
+42.1% YoY
0.69%
+15.8% YoY
Bottom 11.7% in tier
Tier 1 Capital Ratio ? 12.96%
-0.2% YoY +1.0% QoQ
-2.95% 15.91%
+1.4% YoY
16.20%
+1.2% YoY
17.09%
+0.8% YoY
47%
Non-Interest Income / Assets ? 0.14%
-9.5% YoY +130.9% QoQ
-0.42% 0.57%
+7.6% YoY
1.78%
-1.3% YoY
0.66%
+5.2% YoY
31%

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 (IN) National Avg Tier Percentile
Noninterest-Bearing 0.9%
+0.2pp YoY
+0.2pp QoQ
 -21.2pp 22.1% 16.8% 22.2% 1%
Brokered Deposits 0.1%
0.0pp YoY
0.0pp QoQ
 -7.7pp 7.9% 7.2% 8.5% 6%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
C&I 2.8%
-0.7pp YoY
+0.7pp QoQ
 -8.8pp 11.6% 11.1% 12.5% 9%
CRE n/a n/a 39.5% 36.2% 41.4% n/a
1-4 Family 79.3%
+3.1pp YoY
0.0pp QoQ
 +46.6pp 32.6% 40.0% 31.3% 96%
Consumer 0.7%
+0.1pp YoY
+0.1pp QoQ
 -3.4pp 4.1% 3.2% 5.0% 20%

Capital

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 17.5% 19.7% n/a
Leverage Ratio 13.0%
0.0pp YoY
+0.1pp QoQ
 +0.8pp 12.2% 13.0% 12.6% 75%
Total Capital Ratio n/a n/a 19.9% 18.7% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Full-Time Employees 46
-2 (-4.2%) YoY
+2 (+4.5%) QoQ
 -13 58 237 482 48%
Assets per Employee ($) $5.2M
+2.9% YoY
-7.3% QoQ
 -$2.3M $7.5M $7.5M $8.8M 18%
Branch Count 5
0 YoY
0 QoQ
 0 4 17 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual 2.1%
+1.1pp YoY
-0.3pp QoQ
 +1.2pp 0.9% 0.8% 1.0% 88%
Allowance Coverage 0.46x
-44.1% YoY
+15.8% QoQ
 -23.69x 24.15x 6.71x 20.23x 9%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
 -0.1pp 0.1% 0.1% 0.2% 26%

Profitability

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
ROE 1.0%
+4.5pp YoY
+1.9pp QoQ
 -11.2pp 12.2% 11.2% 11.6% 4%
Cost of Funds (YTD) 2.1%
-0.2pp YoY
0.0pp QoQ
 +0.3pp 1.7% 1.8% 1.7% 74%
Net Income ($, YTD) $139,000
+128.8% YoY
— QoQ
 -$2.4M $2.6M $16.3M $40.4M 4%

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 (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Strain

risk
#24 of 691 • Bottom 3.3% 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: 90.38%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 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 (0 metrics)

No strength rankings available

Top Weaknesses (6 metrics)

2613
Non-Interest-Bearing Deposit Share
funding
Value: 0.95%
Peer Median: 22.03%
#2613 of 2643 Bottom 1.2% in $100M-$1B
2543
Efficiency Ratio
profitability
Value: 93.40%
Peer Median: 64.48%
#2543 of 2643 Bottom 3.8% in $100M-$1B
2526
Return on Assets
profitability
Value: 0.11%
Peer Median: 1.32%
#2526 of 2643 Bottom 4.5% in $100M-$1B
2516
Net Interest Margin
profitability
Value: 2.70%
Peer Median: 3.99%
#2516 of 2643 Bottom 4.8% in $100M-$1B
2335
Nonperforming Asset Ratio
credit_quality
Value: 1.52%
Peer Median: 0.67%
#2335 of 2643 Bottom 11.7% in $100M-$1B
2322
Delinquency Rate
credit_quality
Value: 2.11%
Peer Median: 0.92%
#2322 of 2633 Bottom 11.8% in $100M-$1B
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