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Peoples Bank of Alabama

$1B-$10B Specialty: Commercial AL FDIC cert 22537

Designations: ✓ Community bank

Cullman, AL

28 branches across AL

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 885 banks in the $1B-$10B peer group nationwide — 1 of 16 in AL.
  • Deposits -1.3% year over year ($1.3B on the books).
  • Delinquency rate 0.57%.
  • Return on assets 1.93%.
  • Efficiency ratio 61.38% vs a 59.73% peer average.
  • Loan-to-deposit ratio 71.46% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 16 in AL
View $1B-$10B leaderboard (AL) →

Peoples Bank of Alabama has 3 strengths but faces 2 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

  • + Deposit Franchise: Top 43.8% in tier
  • + ROA 0.54% above tier average
  • + Delinquency Rate 0.30% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 43.0% in tier
  • - Efficiency Ratio 1.65% above tier average
Get updates when Peoples Bank of Alabama releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Total Assets ? $1.4B
+0.1% YoY -0.5% QoQ
-$1.4B $2.8B
-0.6% YoY
$2.5B
+1.5% YoY
$6.3B
+7.7% YoY
31%
Total Loans ? $908.0M
+4.9% YoY -0.1% QoQ
-$1.1B $2.0B
-0.3% YoY
$1.6B
+2.8% YoY
$3.2B
+9.4% YoY
25%
Total Deposits ? $1.3B
-1.3% YoY -0.7% QoQ
-$1.0B $2.3B
-0.5% YoY
$2.1B
+0.3% YoY
$4.9B
+7.3% YoY
36%
Return on Assets ? 1.93%
-0.3% YoY +5.0% QoQ
+0.54% 1.39%
+17.0% YoY
0.89%
-13.0% YoY
1.30%
+12.1% YoY
Top 14.4% in tier
Net Interest Margin ? 4.60%
+0.7% YoY +1.4% QoQ
+0.73% 3.87%
+6.2% YoY
4.02%
+3.4% YoY
3.95%
+4.9% YoY
Top 10.6% in tier
Efficiency Ratio ? 61.38%
+2.0% YoY -3.2% QoQ
+1.65% 59.73%
-12.6% YoY
69.53%
+4.0% YoY
70.05%
+2.5% YoY
42%
Delinquency Rate ? 0.57%
+258.1% YoY +22.4% QoQ
-0.30% 0.87%
+11.7% YoY
1.13%
+25.5% YoY
0.98%
+16.3% YoY
47%
Loan-to-Deposit Ratio ? 71.46%
+6.3% YoY +0.6% QoQ
-13.57% 85.04%
-0.1% YoY
67.62%
+0.9% YoY
79.03%
+2.3% YoY
82%
Non-Interest-Bearing Deposit Share ? 34.26%
+3.0% YoY +0.5% QoQ
+12.99% 21.27%
-1.5% YoY
24.04%
+0.1% YoY
21.98%
-0.6% YoY
Top 9.4% in tier
Nonperforming Asset Ratio ? 0.38%
+178.1% YoY +17.7% QoQ
-0.29% 0.67%
+11.7% YoY
0.74%
+25.2% YoY
0.69%
+15.8% YoY
54%
Tier 1 Capital Ratio ? 15.73%
+5.1% YoY +1.0% QoQ
+0.89% 14.84%
-0.4% YoY
15.01%
+1.3% YoY
17.09%
+0.8% YoY
79%
Non-Interest Income / Assets ? 0.51%
+5.8% YoY +102.4% QoQ
-0.02% 0.53%
+2.5% YoY
0.35%
-14.4% YoY
0.66%
+5.2% YoY
81%

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 (AL) National Avg Tier Percentile
Noninterest-Bearing 34.3%
+1.0pp YoY
+0.2pp QoQ
 +12.9pp 21.4% 24.0% 22.2% 90%
Brokered Deposits n/a n/a 9.5% 5.5% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
C&I 21.4%
-0.3pp YoY
+0.3pp QoQ
 +7.4pp 14.0% 16.9% 12.5% 83%
CRE 57.2%
-1.0pp YoY
-1.3pp QoQ
 +7.2pp 50.0% 43.5% 41.4% 68%
1-4 Family 16.5%
+0.9pp YoY
+0.7pp QoQ
 -9.9pp 26.4% 30.6% 31.3% 35%
Consumer 1.3%
-0.2pp YoY
-0.1pp QoQ
 -3.4pp 4.7% 5.7% 5.0% 52%

Capital

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
CET1 Ratio 15.7%
+0.8pp YoY
+0.2pp QoQ
 +0.1pp 15.6% 15.1% 19.7% 76%
Leverage Ratio 11.2%
+1.0pp YoY
0.0pp QoQ
 -0.1pp 11.3% 13.2% 12.6% 64%
Total Capital Ratio 17.0%
+0.8pp YoY
+0.2pp QoQ
 +0.3pp 16.7% 16.2% 20.8% 77%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Full-Time Employees 281
+5 (+1.8%) YoY
+3 (+1.1%) QoQ
 -33 313 304 482 62%
Assets per Employee ($) $5.1M
-1.7% YoY
-1.6% QoQ
 -$5.4M $10.5M $6.9M $8.8M 4%
Branch Count 28
0 YoY
0 QoQ
 +8 20 20 18 80%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.2% 0.4% n/a
Nonaccrual 0.6%
+0.4pp YoY
+0.1pp QoQ
 -0.3pp 0.8% 1.2% 1.0% 54%
Allowance Coverage 2.88x
-73.9% YoY
-18.9% QoQ
 -15.83x 18.71x 7.50x 20.23x 62%
Net Charge-off Rate (YTD) 0.1%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.3% 0.2% 65%

Profitability

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
ROE 19.2%
-3.0pp YoY
+0.9pp QoQ
 +6.6pp 12.6% 10.0% 11.6% 88%
Cost of Funds (YTD) 1.3%
-0.1pp YoY
0.0pp QoQ
 -0.6pp 1.9% 1.7% 1.7% 13%
Net Income ($, YTD) $13.7M
+1.4% YoY
— QoQ
 -$5.5M $19.2M $17.2M $40.4M 56%

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)

Deposit Franchise

growth
#36 of 80 • Top 43.8% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 34.26%
(Tier: 21.27%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.60%
(Tier: 3.87%, National: 3.95%)
better than tier avg
80 of 80 Mid-Market banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank improving

Concerns (1)

Credit Risk Growth

risk
#174 of 402 • Bottom 43.0% in tier

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

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 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 885 peers in $1B-$10B

Top Strengths (6 metrics)

84
Non-Interest-Bearing Deposit Share
funding
Value: 34.26%
Peer Median: 21.27%
#84 of 885 Top 9.4% in $1B-$10B
95
Net Interest Margin
profitability
Value: 4.60%
Peer Median: 3.87%
#95 of 885 Top 10.6% in $1B-$10B
128
Return on Assets
profitability
Value: 1.93%
Peer Median: 1.39%
#128 of 885 Top 14.4% in $1B-$10B
157
Loan-to-Deposit Ratio
liquidity
Value: 71.46%
Peer Median: 85.04%
#157 of 885 Top 17.6% in $1B-$10B
171
Non-Interest Income / Assets
revenue_mix
Value: 0.51%
Peer Median: 0.53%
#171 of 885 Top 19.2% in $1B-$10B
188
Tier 1 Capital Ratio
capital
Value: 15.73%
Peer Median: 14.84%
#188 of 885 Top 21.1% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available
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