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Peoples Bank

$1B-$10B Specialty: Commercial IN FDIC cert 29523

Designations: ✓ Community bank

Munster, IN

24 branches across IN · IL

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 IN.
  • Deposits -1.3% year over year ($1.7B on the books).
  • Delinquency rate 1.11%.
  • Return on assets 0.43%.
  • Efficiency ratio 83.84% vs a 59.73% peer average.
  • Loan-to-deposit ratio 85.80% 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 IN
View $1B-$10B leaderboard (IN) →

Peoples Bank faces 5 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 2.5% in tier
  • - Credit Risk Growth: Bottom 5.7% in tier
  • - Efficiency Drag: Bottom 58.3% in tier
  • - Return on Assets 0.96% below tier average
  • - Net Interest Margin 0.61% below tier average
Get updates when Peoples Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Total Assets ? $2.0B
-0.9% YoY +1.3% QoQ
-$753.0M $2.8B
-0.6% YoY
$2.5B
+3.7% YoY
$6.3B
+7.7% YoY
51%
Total Loans ? $1.5B
+1.4% YoY +3.4% QoQ
-$476.0M $2.0B
-0.3% YoY
$1.8B
+5.7% YoY
$3.2B
+9.4% YoY
53%
Total Deposits ? $1.7B
-1.3% YoY +0.8% QoQ
-$585.4M $2.3B
-0.5% YoY
$2.0B
+3.4% YoY
$4.9B
+7.3% YoY
52%
Return on Assets ? 0.43%
+67.1% YoY -4.3% QoQ
-0.96% 1.39%
+17.0% YoY
1.07%
+3.3% YoY
1.30%
+12.1% YoY
Bottom 6.2% in tier
Net Interest Margin ? 3.26%
+11.8% YoY -0.1% QoQ
-0.61% 3.87%
+6.2% YoY
3.70%
+8.1% YoY
3.95%
+4.9% YoY
24%
Efficiency Ratio ? 83.84%
-6.3% YoY +0.1% QoQ
+24.12% 59.73%
-12.6% YoY
77.20%
+13.2% YoY
70.05%
+2.5% YoY
Bottom 4.2% in tier
Delinquency Rate ? 1.11%
+19.4% YoY +29.3% QoQ
+0.25% 0.87%
+11.7% YoY
0.91%
+27.8% YoY
0.98%
+16.3% YoY
24%
Loan-to-Deposit Ratio ? 85.80%
+2.7% YoY +2.6% QoQ
+0.76% 85.04%
-0.1% YoY
81.91%
+1.2% YoY
79.03%
+2.3% YoY
53%
Non-Interest-Bearing Deposit Share ? 15.33%
+0.2% YoY -4.3% QoQ
-5.94% 21.27%
-1.5% YoY
16.57%
-2.9% YoY
21.98%
-0.6% YoY
29%
Nonperforming Asset Ratio ? 0.90%
+21.8% YoY +27.0% QoQ
+0.23% 0.67%
+11.7% YoY
0.69%
+42.1% YoY
0.69%
+15.8% YoY
25%
Tier 1 Capital Ratio ? 11.81%
+4.5% YoY -1.9% QoQ
-3.03% 14.84%
-0.4% YoY
16.20%
+1.2% YoY
17.09%
+0.8% YoY
29%
Non-Interest Income / Assets ? 0.24%
-1.1% YoY +95.9% QoQ
-0.29% 0.53%
+2.5% YoY
1.78%
-1.3% YoY
0.66%
+5.2% YoY
39%

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 (IN) National Avg Tier Percentile
Noninterest-Bearing 15.3%
0.0pp YoY
-0.7pp QoQ
 -6.0pp 21.4% 16.8% 22.2% 28%
Brokered Deposits 0.0%
-1.2pp YoY
0.0pp QoQ
 -9.4pp 9.5% 7.2% 8.5% 3%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
C&I 6.8%
-0.3pp YoY
+0.4pp QoQ
 -7.2pp 14.0% 11.1% 12.5% 27%
CRE 57.5%
+1.2pp YoY
0.0pp QoQ
 +7.5pp 50.0% 36.2% 41.4% 69%
1-4 Family 34.4%
-0.3pp YoY
-0.3pp QoQ
 +7.9pp 26.4% 40.0% 31.3% 74%
Consumer 1.7%
-0.3pp YoY
-0.1pp QoQ
 -3.0pp 4.7% 3.2% 5.0% 59%

Capital

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
CET1 Ratio 11.8%
+0.5pp YoY
-0.2pp QoQ
 -3.8pp 15.6% 17.5% 19.7% 20%
Leverage Ratio 9.3%
+0.6pp YoY
+0.1pp QoQ
 -2.0pp 11.3% 13.0% 12.6% 18%
Total Capital Ratio 13.0%
+0.5pp YoY
-0.2pp QoQ
 -3.7pp 16.7% 18.7% 20.8% 22%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Full-Time Employees 305
0 YoY
-3 (-1.0%) QoQ
 -9 313 237 482 66%
Assets per Employee ($) $6.7M
-0.9% YoY
+2.3% QoQ
 -$3.8M $10.5M $7.5M $8.8M 20%
Branch Count 24
-2 (-7.7%) YoY
-2 (-7.7%) QoQ
 +4 20 17 18 74%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.2% 0.4% n/a
Nonaccrual 1.2%
+0.2pp YoY
+0.2pp QoQ
 +0.4pp 0.8% 0.8% 1.0% 80%
Allowance Coverage 1.07x
-19.6% YoY
-23.5% QoQ
 -17.64x 18.71x 6.71x 20.23x 26%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.1% 0.2% 9%

Profitability

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
ROE 5.0%
+1.5pp YoY
-0.2pp QoQ
 -7.6pp 12.6% 11.2% 11.6% 8%
Cost of Funds (YTD) 1.7%
-0.2pp YoY
0.0pp QoQ
 -0.2pp 1.9% 1.8% 1.7% 34%
Net Income ($, YTD) $4.4M
+64.7% YoY
— QoQ
 -$14.9M $19.2M $16.3M $40.4M 9%

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 (0)

No matched strength signatures this quarter

Concerns (3)

Flatlined Growth

risk
#5 of 162 • Bottom 2.5% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.43%
(Tier: 1.39%, National: 1.30%)
worse than tier avg
162 of 162 Mid-Market banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank declining

Credit Risk Growth

risk
#24 of 402 • Bottom 5.7% 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

Efficiency Drag

risk
#36 of 60 • Bottom 58.3% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 83.84%
(Tier: 59.73%, National: 70.05%)
worse than tier avg
60 of 60 Mid-Market banks match · 426 nationally
↓ Shrinking -64 banks QoQ | QoQ rank improving

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 (0 metrics)

No strength rankings available

Top Weaknesses (5 metrics)

849
Efficiency Ratio
profitability
Value: 83.84%
Peer Median: 59.73%
#849 of 885 Bottom 4.2% in $1B-$10B
831
Return on Assets
profitability
Value: 0.43%
Peer Median: 1.39%
#831 of 885 Bottom 6.2% in $1B-$10B
676
Net Interest Margin
profitability
Value: 3.26%
Peer Median: 3.87%
#676 of 885 Bottom 23.7% in $1B-$10B
669
Delinquency Rate
credit_quality
Value: 1.11%
Peer Median: 0.87%
#669 of 882 Bottom 24.3% in $1B-$10B
667
Nonperforming Asset Ratio
credit_quality
Value: 0.90%
Peer Median: 0.67%
#667 of 885 Bottom 24.7% in $1B-$10B
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