BlastPoint's Banking Scorecard

The Peoples Bank

$100M-$1B Specialty: Commercial SC FDIC cert 16968

Iva, SC

8 branches across SC

2664 banks in the $100M-$1B peer group nationally 27 in SC

The Peoples Bank demonstrates 5 strengths

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

+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average
+ ROA 0.34% above tier average
+ Net Interest Margin 0.35% above tier average
+ Efficiency Ratio 1.79% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Total Assets ?	$443.8M +1.9% YoY +1.0% QoQ	+$57.8M	$386.1M +0.5% YoY	$1.5B +4.7% YoY	$6.2B +9.1% YoY	66%
Total Loans ?	$260.9M +4.7% YoY +0.2% QoQ	+$5.1M	$255.7M +1.1% YoY	$993.8M +7.7% YoY	$3.2B +10.8% YoY	61%
Total Deposits ?	$393.3M +0.5% YoY +0.7% QoQ	+$65.3M	$328.0M +0.1% YoY	$1.3B +4.0% YoY	$4.8B +8.2% YoY	69%
Return on Assets ?	1.60% +2.5% YoY -0.5% QoQ	+0.34%	1.27% +12.9% YoY	1.18% +45.0% YoY	1.23% +13.4% YoY	73%
Net Interest Margin ?	4.28% +4.8% YoY +1.0% QoQ	+0.35%	3.93% +6.0% YoY	3.64% +5.2% YoY	3.89% +5.7% YoY	72%
Efficiency Ratio ?	63.50% +1.5% YoY +1.2% QoQ	-1.79%	65.29% -4.5% YoY	67.38% -5.7% YoY	66.95% -4.1% YoY	49%
Delinquency Rate ?	0.00% -100.0% YoY	-0.89%	0.89% +18.8% YoY	0.54% +11.8% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	66.33% +4.1% YoY -0.5% QoQ	-10.31%	76.64% +0.8% YoY	73.64% +1.6% YoY	76.70% +0.9% YoY	73%
Non-Interest-Bearing Deposit Share ?	21.27% +0.3% YoY +0.8% QoQ	-0.75%	22.02% -1.0% YoY	20.84% -0.7% YoY	22.01% -1.2% YoY	51%
Nonperforming Asset Ratio ?	0.00% -100.0% YoY	-0.64%	0.64% +19.7% YoY	0.34% +10.8% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	17.87% +2.4% YoY +2.4% QoQ	+2.04%	15.83% +1.5% YoY	17.50% +3.0% YoY	17.06% +0.8% YoY	81%
Non-Interest Income / Assets ?	0.20% +4.6% YoY -73.4% QoQ	-0.08%	0.28% +9.3% YoY	0.17% +48.2% YoY	0.32% +4.1% YoY	Top 15.0% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (0)

No matched concern signatures this quarter

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

400

Non-Interest Income / Assets

revenue_mix

Value: 0.20%

Peer Median: 0.28%

#400 of 2664 Top 15.0% in $100M-$1B

517

Tier 1 Capital Ratio

capital

Value: 17.87%

Peer Median: 15.83%

#517 of 2664 Top 19.4% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available