BlastPoint's Banking Scorecard

Peoples Bank

$100M-$1B Specialty: Other TX FDIC cert 27398

Paris, TX

2 branches across TX

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 219 in TX.
Deposits +13.0% year over year ($168.4M on the books).
Delinquency rate 0.25%.
Return on assets 1.83%.
Efficiency ratio 58.57% vs a 64.48% peer average.
Loan-to-deposit ratio 87.15% 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 219 in TX

View $100M-$1B leaderboard (TX) →

Peoples Bank shows strong momentum with 5 strengths and 7.7% YoY asset growth

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 49.8% in tier
+ ROA 0.51% above tier average
+ Net Interest Margin 0.05% above tier average
+ Efficiency Ratio 5.91% below tier average
+ Delinquency Rate 0.67% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Peoples Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$185.4M +7.7% YoY +0.3% QoQ	-$201.2M	$386.6M +1.2% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	23%
Total Loans ?	$146.7M +7.2% YoY +3.9% QoQ	-$111.6M	$258.3M +1.7% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	34%
Total Deposits ?	$168.4M +13.0% YoY +0.0% QoQ	-$158.4M	$326.7M +0.7% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	26%
Return on Assets ?	1.83% +12.4% YoY +2.4% QoQ	+0.51%	1.32% +10.8% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	81%
Net Interest Margin ?	4.04% +3.4% YoY +1.2% QoQ	+0.05%	3.99% +5.0% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	56%
Efficiency Ratio ?	58.57% -7.6% YoY -0.7% QoQ	-5.91%	64.48% -3.2% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	61%
Delinquency Rate ?	0.25% -25.3% YoY +168.1% QoQ	-0.67%	0.92% +15.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	62%
Loan-to-Deposit Ratio ?	87.15% -5.2% YoY +3.9% QoQ	+9.20%	77.95% +1.0% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	32%
Non-Interest-Bearing Deposit Share ?	26.16% -15.7% YoY -3.6% QoQ	+4.13%	22.03% -0.6% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	70%
Nonperforming Asset Ratio ?	0.20% -25.7% YoY +177.7% QoQ	-0.47%	0.67% +16.4% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	61%
Tier 1 Capital Ratio ?	9.56% -3.2% YoY -2.5% QoQ	-6.35%	15.91% +1.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	Bottom 5.6% in tier
Non-Interest Income / Assets ?	0.37% -9.3% YoY +98.1% QoQ	-0.20%	0.57% +7.6% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	82%

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 (TX)	National Avg	Tier Percentile
Noninterest-Bearing	26.2% -4.9pp YoY -1.0pp QoQ	+4.0pp	22.1%	29.2%	22.2%	70%
Brokered Deposits	17.7% +9.6pp YoY 0.0pp QoQ	+9.8pp	7.9%	8.0%	8.5%	88%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
C&I	5.2% +0.7pp YoY -0.1pp QoQ	-6.3pp	11.6%	14.8%	12.5%	21%
CRE	23.9% -4.0pp YoY -0.3pp QoQ	-15.7pp	39.5%	48.4%	41.4%	24%
1-4 Family	47.3% +2.3pp YoY +0.3pp QoQ	+14.7pp	32.6%	25.8%	31.3%	79%
Consumer	0.8% -0.1pp YoY -0.1pp QoQ	-3.3pp	4.1%	4.7%	5.0%	25%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	22.7%	19.7%	n/a
Leverage Ratio	9.6% -0.3pp YoY -0.2pp QoQ	-2.6pp	12.2%	12.6%	12.6%	23%
Total Capital Ratio	n/a	n/a	19.9%	23.8%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	33 0 YoY 0 QoQ	-26	58	186	482	31%
Assets per Employee ($)	$5.6M +7.7% YoY +0.3% QoQ	-$1.9M	$7.5M	$10.1M	$8.8M	25%
Branch Count	2 0 YoY 0 QoQ	-3	4	12	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.3%	0.4%	n/a
Nonaccrual	0.2% 0.0pp YoY +0.2pp QoQ	-0.7pp	0.9%	1.0%	1.0%	34%
Allowance Coverage	3.37x +34.4% YoY -63.4% QoQ	-20.79x	24.15x	18.82x	20.23x	61%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	60%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	22.1% +1.5pp YoY +0.5pp QoQ	+9.9pp	12.2%	13.2%	11.6%	93%
Cost of Funds (YTD)	1.6% 0.0pp YoY 0.0pp QoQ	-0.1pp	1.7%	1.6%	1.7%	46%
Net Income ($, YTD)	$1.7M +20.3% YoY — QoQ	-$884K	$2.6M	$15.9M	$40.4M	46%

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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 (1)

Revenue Diversifier

growth

#330 of 661 • Top 49.8% 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: 0.37%

(Tier: 0.57%, National: 0.66%)

but worse than tier avg

Return on Assets: 1.83%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

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 2643 peers in $100M-$1B

Top Strengths (2 metrics)

478

Non-Interest Income / Assets

revenue_mix

Value: 0.37%

Peer Median: 0.57%

#478 of 2643 Top 18.0% in $100M-$1B

500

Return on Assets

profitability

Value: 1.83%

Peer Median: 1.32%

#500 of 2643 Top 18.9% in $100M-$1B

Top Weaknesses (2 metrics)

2495

Tier 1 Capital Ratio

capital

Value: 9.56%

Peer Median: 15.91%

#2495 of 2643 Bottom 5.6% in $100M-$1B

2045

Total Assets

size

Value: $185.38M

Peer Median: $386.57M

#2045 of 2643 Bottom 22.7% in $100M-$1B