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Peoples Bank of East Tennessee

$100M-$1B Specialty: Commercial TN FDIC cert 34517

Madisonville, TN

12 branches across TN · GA

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 72 in TN.
  • Deposits +4.2% year over year ($407.2M on the books).
  • Delinquency rate 0.38%.
  • Return on assets 1.53%.
  • Efficiency ratio 63.35% vs a 64.48% peer average.
  • Loan-to-deposit ratio 75.93% 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 72 in TN
View $100M-$1B leaderboard (TN) →

Peoples Bank of East Tennessee has 4 strengths but faces 1 concern

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 65.1% in tier
  • + ROA 0.20% above tier average
  • + Efficiency Ratio 1.13% below tier average
  • + Delinquency Rate 0.54% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 24.0% in tier
Get updates when Peoples Bank of East Tennessee releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Total Assets ? $456.1M
+5.4% YoY +0.0% QoQ
+$69.5M $386.6M
+1.2% YoY
$2.9B
+37.8% YoY
$6.3B
+7.7% YoY
68%
Total Loans ? $309.2M
+15.7% YoY +3.8% QoQ
+$50.8M $258.3M
+1.7% YoY
$2.1B
+37.6% YoY
$3.2B
+9.4% YoY
69%
Total Deposits ? $407.2M
+4.2% YoY -0.5% QoQ
+$80.4M $326.7M
+0.7% YoY
$2.4B
+35.4% YoY
$4.9B
+7.3% YoY
71%
Return on Assets ? 1.53%
+11.9% YoY +6.7% QoQ
+0.20% 1.32%
+10.8% YoY
1.13%
+12.0% YoY
1.30%
+12.1% YoY
67%
Net Interest Margin ? 5.09%
+5.9% YoY +3.0% QoQ
+1.11% 3.99%
+5.0% YoY
3.99%
+5.6% YoY
3.95%
+4.9% YoY
Top 6.9% in tier
Efficiency Ratio ? 63.35%
-1.2% YoY -2.1% QoQ
-1.13% 64.48%
-3.2% YoY
65.40%
-4.8% YoY
70.05%
+2.5% YoY
47%
Delinquency Rate ? 0.38%
+29.1% YoY +38.0% QoQ
-0.54% 0.92%
+15.7% YoY
0.70%
+6.5% YoY
0.98%
+16.3% YoY
52%
Loan-to-Deposit Ratio ? 75.93%
+11.0% YoY +4.3% QoQ
-2.02% 77.95%
+1.0% YoY
81.19%
+2.5% YoY
79.03%
+2.3% YoY
58%
Non-Interest-Bearing Deposit Share ? 28.85%
-0.8% YoY -4.0% QoQ
+6.82% 22.03%
-0.6% YoY
18.80%
-1.8% YoY
21.98%
-0.6% YoY
79%
Nonperforming Asset Ratio ? 0.26%
+41.7% YoY +43.3% QoQ
-0.41% 0.67%
+16.4% YoY
0.58%
+9.8% YoY
0.69%
+15.8% YoY
55%
Tier 1 Capital Ratio ? 10.90%
+2.4% YoY +0.2% QoQ
-5.01% 15.91%
+1.4% YoY
14.06%
-1.8% YoY
17.09%
+0.8% YoY
22%
Non-Interest Income / Assets ? 0.33%
+17.5% YoY +143.2% QoQ
-0.24% 0.57%
+7.6% YoY
0.34%
-6.5% YoY
0.66%
+5.2% YoY
77%

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 (TN) National Avg Tier Percentile
Noninterest-Bearing 28.9%
-0.2pp YoY
-1.2pp QoQ
 +6.7pp 22.1% 18.8% 22.2% 79%
Brokered Deposits 1.2%
-2.6pp YoY
0.0pp QoQ
 -6.6pp 7.9% 9.4% 8.5% 21%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
C&I 4.9%
-0.3pp YoY
-0.8pp QoQ
 -6.7pp 11.6% 10.9% 12.5% 19%
CRE 44.1%
-1.0pp YoY
+0.1pp QoQ
 +4.6pp 39.5% 42.4% 41.4% 60%
1-4 Family 44.6%
+1.4pp YoY
+1.1pp QoQ
 +11.9pp 32.6% 39.8% 31.3% 76%
Consumer 5.6%
-0.5pp YoY
-0.2pp QoQ
 +1.5pp 4.1% 4.5% 5.0% 80%

Capital

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 14.8% 19.7% n/a
Leverage Ratio 10.9%
+0.3pp YoY
0.0pp QoQ
 -1.3pp 12.2% 11.4% 12.6% 49%
Total Capital Ratio n/a n/a 19.9% 15.9% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Full-Time Employees 105
0 YoY
-3 (-2.8%) QoQ
 +46 58 270 482 88%
Assets per Employee ($) $4.3M
+5.4% YoY
+2.9% QoQ
 -$3.2M $7.5M $7.1M $8.8M 7%
Branch Count 12
0 YoY
0 QoQ
 +7 4 17 18 95%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.2% 0.4% 30%
Nonaccrual 0.3%
+0.1pp YoY
+0.1pp QoQ
 -0.6pp 0.9% 0.7% 1.0% 42%
Allowance Coverage 3.70x
-20.8% YoY
-28.8% QoQ
 -20.45x 24.15x 28.97x 20.23x 63%
Net Charge-off Rate (YTD) 0.1%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 67%

Profitability

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
ROE 15.7%
+0.6pp YoY
+0.8pp QoQ
 +3.5pp 12.2% 10.9% 11.6% 72%
Cost of Funds (YTD) 1.2%
-0.2pp YoY
0.0pp QoQ
 -0.5pp 1.7% 2.0% 1.7% 19%
Net Income ($, YTD) $3.4M
+18.7% YoY
— QoQ
 +$877K $2.6M $16.7M $40.4M 75%

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
#182 of 278 • Top 65.1% 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: 28.85%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 5.09%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank declining

Concerns (1)

Credit Quality Pressure

risk
#302 of 1256 • Bottom 24.0% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.38%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

183
Net Interest Margin
profitability
Value: 5.09%
Peer Median: 3.99%
#183 of 2643 Top 6.9% in $100M-$1B
563
Non-Interest-Bearing Deposit Share
funding
Value: 28.85%
Peer Median: 22.03%
#563 of 2643 Top 21.3% in $100M-$1B
614
Non-Interest Income / Assets
revenue_mix
Value: 0.33%
Peer Median: 0.57%
#614 of 2643 Top 23.2% in $100M-$1B

Top Weaknesses (1 metrics)

2062
Tier 1 Capital Ratio
capital
Value: 10.90%
Peer Median: 15.91%
#2062 of 2643 Bottom 22.0% in $100M-$1B
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