BlastPoint's Banking Scorecard
Peoples Bank
Paris, TX
2 branches across TX
Peoples Bank has 5 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 46.9% in tier
- + ROA 0.52% above tier average
- + Net Interest Margin 0.06% above tier average
- + Efficiency Ratio 6.32% below tier average
- + Delinquency Rate 0.79% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 49.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$184.7M
+7.5% YoY
+4.2% QoQ
|
-$201.3M |
$386.1M
+0.5% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
23% |
| Total Loans ? |
$141.2M
+6.5% YoY
-2.2% QoQ
|
-$114.5M |
$255.7M
+1.1% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
33% |
| Total Deposits ? |
$168.3M
+7.2% YoY
+4.5% QoQ
|
-$159.6M |
$328.0M
+0.1% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
26% |
| Return on Assets ? |
1.79%
+18.4% YoY
+3.1% QoQ
|
+0.52% |
1.27%
+12.9% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
81% |
| Net Interest Margin ? |
3.99%
+5.8% YoY
-0.0% QoQ
|
+0.06% |
3.93%
+6.0% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
56% |
| Efficiency Ratio ? |
58.97%
-9.5% YoY
-4.1% QoQ
|
-6.32% |
65.29%
-4.5% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
63% |
| Delinquency Rate ? |
0.09%
-59.0% YoY
-68.0% QoQ
|
-0.79% |
0.89%
+18.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
75% |
| Loan-to-Deposit Ratio ? |
83.88%
-0.6% YoY
-6.5% QoQ
|
+7.24% |
76.64%
+0.8% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
37% |
| Non-Interest-Bearing Deposit Share ? |
27.14%
-9.2% YoY
-7.5% QoQ
|
+5.12% |
22.02%
-1.0% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
74% |
| Nonperforming Asset Ratio ? |
0.07%
-59.4% YoY
-70.0% QoQ
|
-0.57% |
0.64%
+19.7% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
74% |
| Tier 1 Capital Ratio ? |
9.80%
-1.1% YoY
+0.9% QoQ
|
-6.03% |
15.83%
+1.5% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
Bottom 7.2% in tier |
| Non-Interest Income / Assets ? |
0.19%
-7.8% YoY
-76.7% QoQ
|
-0.09% |
0.28%
+9.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
83% |
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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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.