BlastPoint's Banking Scorecard
Peoples Bank
Designations: ✓ Community bank
Munster, IN
24 branches across IN · IL
Peoples Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 0.7% in tier
- - Efficiency Drag: Bottom 70.3% in tier
- - Return on Assets 0.92% below tier average
- - Net Interest Margin 0.56% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.0B
-1.3% YoY
-0.3% QoQ
|
-$801.2M |
$2.8B
-0.1% YoY
|
$2.5B
+12.1% YoY
|
$6.2B
+9.1% YoY
|
51% |
| Total Loans ? |
$1.4B
-2.6% YoY
+0.3% QoQ
|
-$527.0M |
$2.0B
+0.6% YoY
|
$1.7B
+14.1% YoY
|
$3.2B
+10.8% YoY
|
51% |
| Total Deposits ? |
$1.7B
-2.0% YoY
-0.5% QoQ
|
-$623.7M |
$2.3B
-0.3% YoY
|
$2.0B
+11.8% YoY
|
$4.8B
+8.2% YoY
|
52% |
| Return on Assets ? |
0.45%
+384.5% YoY
+13.5% QoQ
|
-0.92% |
1.37%
+19.6% YoY
|
0.81%
-6.6% YoY
|
1.23%
+13.4% YoY
|
Bottom 8.3% in tier |
| Net Interest Margin ? |
3.26%
+14.4% YoY
+7.3% QoQ
|
-0.56% |
3.82%
+6.9% YoY
|
3.60%
+8.5% YoY
|
3.89%
+5.7% YoY
|
27% |
| Efficiency Ratio ? |
83.75%
-8.5% YoY
-1.4% QoQ
|
+22.69% |
61.06%
-4.6% YoY
|
105.71%
+27.0% YoY
|
66.95%
-4.1% YoY
|
Bottom 5.5% in tier |
| Delinquency Rate ? |
0.86%
+1.8% YoY
+3.7% QoQ
|
-0.03% |
0.89%
+14.1% YoY
|
0.90%
+15.9% YoY
|
0.95%
+18.8% YoY
|
32% |
| Loan-to-Deposit Ratio ? |
83.61%
-0.7% YoY
+0.7% QoQ
|
-0.59% |
84.20%
+0.3% YoY
|
81.10%
+0.7% YoY
|
76.70%
+0.9% YoY
|
57% |
| Non-Interest-Bearing Deposit Share ? |
16.01%
-0.1% YoY
+4.8% QoQ
|
-5.28% |
21.29%
-2.5% YoY
|
17.15%
-0.9% YoY
|
22.01%
-1.2% YoY
|
32% |
| Nonperforming Asset Ratio ? |
0.71%
+3.1% YoY
+3.8% QoQ
|
+0.04% |
0.67%
+15.6% YoY
|
0.67%
+21.6% YoY
|
0.67%
+19.3% YoY
|
30% |
| Tier 1 Capital Ratio ? |
12.03%
+9.2% YoY
+1.4% QoQ
|
-3.13% |
15.16%
+2.0% YoY
|
16.04%
+1.8% YoY
|
17.06%
+0.8% YoY
|
32% |
| Non-Interest Income / Assets ? |
0.12%
+10.3% YoY
-77.7% QoQ
|
-0.14% |
0.26%
+1.6% YoY
|
0.79%
-14.5% YoY
|
0.32%
+4.1% YoY
|
41% |
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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 (0)
Concerns (2)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.