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Peoples Bank of the South

$100M-$1B Specialty: Commercial TN FDIC cert 4945

La Follette, TN

3 branches across TN

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 +1.4% year over year ($190.5M on the books).
  • Delinquency rate 0.86%.
  • Return on assets 3.10%.
  • Efficiency ratio 39.91% vs a 64.48% peer average.
  • Loan-to-deposit ratio 104.17% 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 the South has 4 strengths but faces 3 concerns

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

  • + Profitability Leader: Top 23.2% in tier
  • + Net Interest Margin 1.48% above tier average
  • + Efficiency Ratio 24.57% below tier average
  • + Delinquency Rate 0.06% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 22.2% in tier
  • - Credit Risk Growth: Bottom 47.9% in tier
  • - Credit Quality Pressure: Bottom 47.9% in tier
Get updates when Peoples Bank of the South releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Total Assets ? $232.0M
+3.0% YoY +0.2% QoQ
-$154.6M $386.6M
+1.2% YoY
$2.9B
+37.8% YoY
$6.3B
+7.7% YoY
33%
Total Loans ? $198.4M
+9.1% YoY +3.6% QoQ
-$59.9M $258.3M
+1.7% YoY
$2.1B
+37.6% YoY
$3.2B
+9.4% YoY
48%
Total Deposits ? $190.5M
+1.4% YoY +0.6% QoQ
-$136.3M $326.7M
+0.7% YoY
$2.4B
+35.4% YoY
$4.9B
+7.3% YoY
32%
Return on Assets ? 3.10%
+8.1% YoY -0.9% QoQ
+1.78% 1.32%
+10.8% YoY
1.13%
+12.0% YoY
1.30%
+12.1% YoY
Top 1.7% in tier
Net Interest Margin ? 5.46%
+2.9% YoY +1.1% QoQ
+1.48% 3.99%
+5.0% YoY
3.99%
+5.6% YoY
3.95%
+4.9% YoY
Top 3.1% in tier
Efficiency Ratio ? 39.91%
-6.5% YoY +4.2% QoQ
-24.57% 64.48%
-3.2% YoY
65.40%
-4.8% YoY
70.05%
+2.5% YoY
Top 4.0% in tier
Delinquency Rate ? 0.86%
+38.1% YoY +5.6% QoQ
-0.06% 0.92%
+15.7% YoY
0.70%
+6.5% YoY
0.98%
+16.3% YoY
32%
Loan-to-Deposit Ratio ? 104.17%
+7.6% YoY +2.9% QoQ
+26.22% 77.95%
+1.0% YoY
81.19%
+2.5% YoY
79.03%
+2.3% YoY
Bottom 6.2% in tier
Non-Interest-Bearing Deposit Share ? 27.14%
-3.2% YoY -0.9% QoQ
+5.11% 22.03%
-0.6% YoY
18.80%
-1.8% YoY
21.98%
-0.6% YoY
73%
Nonperforming Asset Ratio ? 0.73%
+46.3% YoY +9.0% QoQ
+0.06% 0.67%
+16.4% YoY
0.58%
+9.8% YoY
0.69%
+15.8% YoY
29%
Tier 1 Capital Ratio ? 16.49%
+2.2% YoY -6.9% QoQ
+0.58% 15.91%
+1.4% YoY
14.06%
-1.8% YoY
17.09%
+0.8% YoY
75%
Non-Interest Income / Assets ? 0.13%
+0.2% YoY +130.1% QoQ
-0.44% 0.57%
+7.6% YoY
0.34%
-6.5% YoY
0.66%
+5.2% YoY
27%

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 27.1%
-0.9pp YoY
-0.2pp QoQ
 +5.0pp 22.1% 18.8% 22.2% 73%
Brokered Deposits n/a n/a 7.9% 9.4% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
C&I 2.7%
+0.4pp YoY
-0.1pp QoQ
 -8.8pp 11.6% 10.9% 12.5% 9%
CRE 51.6%
-4.3pp YoY
-1.0pp QoQ
 +12.0pp 39.5% 42.4% 41.4% 72%
1-4 Family 43.7%
+5.8pp YoY
+1.6pp QoQ
 +11.0pp 32.6% 39.8% 31.3% 75%
Consumer 1.6%
-1.5pp YoY
-0.3pp QoQ
 -2.5pp 4.1% 4.5% 5.0% 41%

Capital

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
CET1 Ratio 16.5%
+0.4pp YoY
-1.2pp QoQ
 -2.3pp 18.8% 14.8% 19.7% 61%
Leverage Ratio 12.4%
+0.5pp YoY
+0.3pp QoQ
 +0.3pp 12.2% 11.4% 12.6% 69%
Total Capital Ratio 17.6%
+0.3pp YoY
-1.3pp QoQ
 -2.3pp 19.9% 15.9% 20.8% 61%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Full-Time Employees 32
+1 (+3.2%) YoY
0 QoQ
 -27 58 270 482 30%
Assets per Employee ($) $7.3M
-0.2% YoY
+0.2% QoQ
 -$268K $7.5M $7.1M $8.8M 56%
Branch Count 3
0 YoY
0 QoQ
 -2 4 17 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual 0.9%
+0.2pp YoY
0.0pp QoQ
 -0.1pp 0.9% 0.7% 1.0% 68%
Allowance Coverage 1.18x
-33.5% YoY
-8.5% QoQ
 -22.98x 24.15x 28.97x 20.23x 31%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 30%

Profitability

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
ROE 26.6%
+0.5pp YoY
-0.6pp QoQ
 +14.4pp 12.2% 10.9% 11.6% 97%
Cost of Funds (YTD) 1.8%
-0.2pp YoY
0.0pp QoQ
 0.0pp 1.7% 2.0% 1.7% 55%
Net Income ($, YTD) $3.6M
+10.4% YoY
— QoQ
 +$1.0M $2.6M $16.7M $40.4M 76%

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)

Profitability Leader

growth
#154 of 661 • Top 23.2% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 3.10%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (3)

Liquidity Overhang

risk
#166 of 742 • Bottom 22.2% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 16.49%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 104.17%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

Credit Risk Growth

risk
#449 of 936 • Bottom 47.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk
#603 of 1256 • Bottom 47.9% in tier

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

Why this signature
Delinquency Rate: 0.86%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

47
Return on Assets
profitability
Value: 3.10%
Peer Median: 1.32%
#47 of 2643 Top 1.7% in $100M-$1B
83
Net Interest Margin
profitability
Value: 5.46%
Peer Median: 3.99%
#83 of 2643 Top 3.1% in $100M-$1B
107
Efficiency Ratio
profitability
Value: 39.91%
Peer Median: 64.48%
#107 of 2643 Top 4.0% in $100M-$1B

Top Weaknesses (1 metrics)

2479
Loan-to-Deposit Ratio
liquidity
Value: 104.17%
Peer Median: 77.95%
#2479 of 2643 Bottom 6.2% in $100M-$1B
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