BlastPoint's Banking Scorecard
The Peoples Bank
Iva, SC
8 branches across SC
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 27 in SC.
- Deposits +0.8% year over year ($393.5M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.65%.
- Efficiency ratio 62.62% vs a 64.48% peer average.
- Loan-to-deposit ratio 69.68% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Peoples Bank demonstrates 5 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 32.2% in tier
- + Nonperforming Asset Ratio 0.67% below tier average
- + ROA 0.33% above tier average
- + Net Interest Margin 0.31% above tier average
- + Efficiency Ratio 1.86% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$446.7M
+2.7% YoY
+0.6% QoQ
|
+$60.1M |
$386.6M
+1.2% YoY
|
$1.5B
+5.6% YoY
|
$6.3B
+7.7% YoY
|
67% |
| Total Loans ? |
$274.2M
+9.9% YoY
+5.1% QoQ
|
+$15.8M |
$258.3M
+1.7% YoY
|
$1.0B
+7.6% YoY
|
$3.2B
+9.4% YoY
|
63% |
| Total Deposits ? |
$393.5M
+0.8% YoY
+0.1% QoQ
|
+$66.8M |
$326.7M
+0.7% YoY
|
$1.3B
+2.8% YoY
|
$4.9B
+7.3% YoY
|
69% |
| Return on Assets ? |
1.65%
+5.3% YoY
+2.9% QoQ
|
+0.33% |
1.32%
+10.8% YoY
|
1.14%
+28.2% YoY
|
1.30%
+12.1% YoY
|
73% |
| Net Interest Margin ? |
4.30%
+3.6% YoY
+0.4% QoQ
|
+0.31% |
3.99%
+5.0% YoY
|
3.68%
+4.4% YoY
|
3.95%
+4.9% YoY
|
71% |
| Efficiency Ratio ? |
62.62%
-0.7% YoY
-1.4% QoQ
|
-1.86% |
64.48%
-3.2% YoY
|
67.24%
-4.2% YoY
|
70.05%
+2.5% YoY
|
49% |
| Delinquency Rate ? | 0.00% | -0.92% |
0.92%
+15.7% YoY
|
0.46%
-16.5% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
69.68%
+9.0% YoY
+5.1% QoQ
|
-8.27% |
77.95%
+1.0% YoY
|
74.60%
+2.0% YoY
|
79.03%
+2.3% YoY
|
70% |
| Non-Interest-Bearing Deposit Share ? |
21.48%
-1.4% YoY
+1.0% QoQ
|
-0.56% |
22.03%
-0.6% YoY
|
21.25%
-0.8% YoY
|
21.98%
-0.6% YoY
|
52% |
| Nonperforming Asset Ratio ? | 0.00% | -0.67% |
0.67%
+16.4% YoY
|
0.29%
-15.5% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
18.19%
+0.9% YoY
+1.8% QoQ
|
+2.28% |
15.91%
+1.4% YoY
|
17.16%
+0.2% YoY
|
17.09%
+0.8% YoY
|
82% |
| Non-Interest Income / Assets ? |
0.39%
+3.7% YoY
+97.8% QoQ
|
-0.18% |
0.57%
+7.6% YoY
|
0.29%
+23.1% YoY
|
0.66%
+5.2% YoY
|
84% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
21.5%
-0.3pp YoY +0.2pp QoQ |
-0.7pp | 22.1% | 21.7% | 22.2% | 52% |
| Brokered Deposits | n/a | n/a | 7.9% | 10.6% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
1.8%
-0.3pp YoY -0.1pp QoQ |
-9.8pp | 11.6% | 9.8% | 12.5% | 6% |
| CRE |
56.8%
-1.1pp YoY +0.8pp QoQ |
+17.3pp | 39.5% | 43.3% | 41.4% | 81% |
| 1-4 Family |
39.1%
+2.1pp YoY -0.5pp QoQ |
+6.5pp | 32.6% | 44.4% | 31.3% | 68% |
| Consumer |
1.4%
-0.5pp YoY -0.1pp QoQ |
-2.7pp | 4.1% | 4.5% | 5.0% | 38% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
18.2%
+0.2pp YoY +0.3pp QoQ |
-0.6pp | 18.8% | 18.1% | 19.7% | 70% |
| Leverage Ratio |
12.9%
+0.7pp YoY +0.3pp QoQ |
+0.7pp | 12.2% | 12.3% | 12.6% | 74% |
| Total Capital Ratio |
19.3%
+0.2pp YoY +0.3pp QoQ |
-0.6pp | 19.9% | 19.1% | 20.8% | 70% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
81
0 YoY -1 (-1.2%) QoQ |
+22 | 58 | 174 | 482 | 77% |
| Assets per Employee ($) |
$5.5M
+2.7% YoY +1.9% QoQ |
-$2.0M | $7.5M | $7.8M | $8.8M | 23% |
| Branch Count |
8
0 YoY 0 QoQ |
+3 | 4 | 12 | 18 | 82% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.0% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 0.5% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 15.59x | 20.23x | n/a |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 22% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
15.3%
-1.2pp YoY +0.2pp QoQ |
+3.1pp | 12.2% | 11.7% | 11.6% | 69% |
| Cost of Funds (YTD) |
0.8%
0.0pp YoY 0.0pp QoQ |
-0.9pp | 1.7% | 1.6% | 1.7% | 6% |
| Net Income ($, YTD) |
$3.7M
+8.2% YoY — QoQ |
+$1.1M | $2.6M | $9.6M | $40.4M | 77% |
Get Full Access to The Peoples Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.