BlastPoint's Banking Scorecard
PEOPLES BANK
Sheridan, AR
3 branches across AR
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 49 in AR.
- Deposits +13.8% year over year ($272.1M on the books).
- Delinquency rate 0.03%.
- Return on assets 1.82%.
- Efficiency ratio 42.11% vs a 64.48% peer average.
- Loan-to-deposit ratio 60.74% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
PEOPLES BANK shows strong momentum with 4 strengths and 13.5% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 18.4% in tier
- + Efficiency Ratio 22.37% below tier average
- + ROA 0.50% above tier average
- + Net Interest Margin 0.31% above tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$313.8M
+13.5% YoY
+3.3% QoQ
|
-$72.8M |
$386.6M
+1.2% YoY
|
$2.4B
+2.9% YoY
|
$6.3B
+7.7% YoY
|
48% |
| Total Loans ? |
$165.3M
+18.7% YoY
+6.5% QoQ
|
-$93.1M |
$258.3M
+1.7% YoY
|
$1.7B
+5.8% YoY
|
$3.2B
+9.4% YoY
|
39% |
| Total Deposits ? |
$272.1M
+13.8% YoY
+3.3% QoQ
|
-$54.6M |
$326.7M
+0.7% YoY
|
$2.0B
+2.5% YoY
|
$4.9B
+7.3% YoY
|
49% |
| Return on Assets ? |
1.82%
+2.1% YoY
+1.4% QoQ
|
+0.50% |
1.32%
+10.8% YoY
|
1.32%
+8.9% YoY
|
1.30%
+12.1% YoY
|
81% |
| Net Interest Margin ? |
4.30%
+0.9% YoY
+0.8% QoQ
|
+0.31% |
3.99%
+5.0% YoY
|
4.10%
+6.0% YoY
|
3.95%
+4.9% YoY
|
70% |
| Efficiency Ratio ? |
42.11%
-5.3% YoY
-1.0% QoQ
|
-22.37% |
64.48%
-3.2% YoY
|
61.09%
-4.5% YoY
|
70.05%
+2.5% YoY
|
Top 5.6% in tier |
| Delinquency Rate ? |
0.03%
-12.5% YoY
+148.9% QoQ
|
-0.89% |
0.92%
+15.7% YoY
|
1.05%
+22.1% YoY
|
0.98%
+16.3% YoY
|
82% |
| Loan-to-Deposit Ratio ? |
60.74%
+4.3% YoY
+3.0% QoQ
|
-17.22% |
77.95%
+1.0% YoY
|
82.37%
+1.8% YoY
|
79.03%
+2.3% YoY
|
82% |
| Non-Interest-Bearing Deposit Share ? |
21.63%
-3.2% YoY
-3.7% QoQ
|
-0.40% |
22.03%
-0.6% YoY
|
19.62%
+0.3% YoY
|
21.98%
-0.6% YoY
|
53% |
| Nonperforming Asset Ratio ? |
0.02%
-8.4% YoY
+156.5% QoQ
|
-0.65% |
0.67%
+16.4% YoY
|
0.84%
+30.0% YoY
|
0.69%
+15.8% YoY
|
85% |
| Tier 1 Capital Ratio ? |
13.33%
-1.1% YoY
-0.4% QoQ
|
-2.57% |
15.91%
+1.4% YoY
|
13.64%
+0.9% YoY
|
17.09%
+0.8% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.22%
-17.3% YoY
+91.1% QoQ
|
-0.35% |
0.57%
+7.6% YoY
|
0.36%
-4.6% YoY
|
0.66%
+5.2% YoY
|
55% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
21.6%
-0.7pp YoY -0.8pp QoQ |
-0.5pp | 22.1% | 19.6% | 22.2% | 52% |
| Brokered Deposits | n/a | n/a | 7.9% | 7.2% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
17.6%
-2.3pp YoY -0.9pp QoQ |
+6.0pp | 11.6% | 12.7% | 12.5% | 83% |
| CRE |
47.8%
-1.6pp YoY -2.7pp QoQ |
+8.3pp | 39.5% | 41.0% | 41.4% | 66% |
| 1-4 Family |
25.5%
+2.1pp YoY +1.0pp QoQ |
-7.2pp | 32.6% | 28.1% | 31.3% | 41% |
| Consumer |
4.9%
-1.6pp YoY -0.9pp QoQ |
+0.8pp | 4.1% | 4.5% | 5.0% | 76% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 15.1% | 19.7% | n/a |
| Leverage Ratio |
13.3%
-0.2pp YoY -0.1pp QoQ |
+1.2pp | 12.2% | 11.9% | 12.6% | 77% |
| Total Capital Ratio | n/a | n/a | 19.9% | 16.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
36
+1 (+2.9%) YoY +1 (+2.9%) QoQ |
-23 | 58 | 315 | 482 | 36% |
| Assets per Employee ($) |
$8.7M
+10.4% YoY +0.4% QoQ |
+$1.2M | $7.5M | $6.7M | $8.8M | 77% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 25 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.1% | 0.4% | n/a |
| Nonaccrual |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.9pp | 0.9% | 1.1% | 1.0% | 8% |
| Allowance Coverage |
57.15x
+27.0% YoY -60.7% QoQ |
+33.00x | 24.15x | 4.69x | 20.23x | 95% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.2% | 0.2% | 22% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.4%
-0.2pp YoY +0.3pp QoQ |
+2.2pp | 12.2% | 12.3% | 11.6% | 65% |
| Cost of Funds (YTD) |
1.7%
-0.2pp YoY 0.0pp QoQ |
0.0pp | 1.7% | 2.0% | 1.7% | 52% |
| Net Income ($, YTD) |
$2.8M
+13.1% YoY — QoQ |
+$198K | $2.6M | $16.0M | $40.4M | 66% |
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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)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.