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PEOPLES BANK

$100M-$1B Specialty: Commercial AR FDIC cert 57058

Sheridan, AR

3 branches across AR

2664 banks in the $100M-$1B peer group nationally 50 in AR
View $100M-$1B leaderboard (AR) →

PEOPLES BANK shows strong momentum with 4 strengths and 9.5% YoY asset growth

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

  • + Efficiency Ratio 22.77% below tier average
  • + ROA 0.53% above tier average
  • + Net Interest Margin 0.33% above tier average
  • + Delinquency Rate 0.87% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when PEOPLES BANK releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Total Assets ? $303.7M
+9.5% YoY +4.8% QoQ
-$82.4M $386.1M
+0.5% YoY
$2.3B
+2.8% YoY
$6.2B
+9.1% YoY
47%
Total Loans ? $155.2M
+17.5% YoY +2.6% QoQ
-$100.5M $255.7M
+1.1% YoY
$1.7B
+6.4% YoY
$3.2B
+10.8% YoY
37%
Total Deposits ? $263.3M
+9.1% YoY +5.4% QoQ
-$64.6M $328.0M
+0.1% YoY
$1.9B
+3.0% YoY
$4.8B
+8.2% YoY
47%
Return on Assets ? 1.80%
+4.4% YoY +2.3% QoQ
+0.53% 1.27%
+12.9% YoY
1.34%
+14.2% YoY
1.23%
+13.4% YoY
81%
Net Interest Margin ? 4.26%
+2.5% YoY -2.5% QoQ
+0.33% 3.93%
+6.0% YoY
4.08%
+8.2% YoY
3.89%
+5.7% YoY
71%
Efficiency Ratio ? 42.52%
-7.4% YoY -4.6% QoQ
-22.77% 65.29%
-4.5% YoY
61.77%
-4.8% YoY
66.95%
-4.1% YoY
Top 6.1% in tier
Delinquency Rate ? 0.01%
-67.3% YoY +77.3% QoQ
-0.87% 0.89%
+18.8% YoY
1.02%
+24.4% YoY
0.95%
+18.8% YoY
Top 14.5% in tier
Loan-to-Deposit Ratio ? 58.94%
+7.7% YoY -2.7% QoQ
-17.70% 76.64%
+0.8% YoY
80.49%
+1.3% YoY
76.70%
+0.9% YoY
83%
Non-Interest-Bearing Deposit Share ? 22.46%
-11.0% YoY +0.5% QoQ
+0.44% 22.02%
-1.0% YoY
19.62%
+0.8% YoY
22.01%
-1.2% YoY
56%
Nonperforming Asset Ratio ? 0.01%
-64.9% YoY +73.4% QoQ
-0.63% 0.64%
+19.7% YoY
0.79%
+32.8% YoY
0.67%
+19.3% YoY
Top 13.0% in tier
Tier 1 Capital Ratio ? 13.39%
-2.1% YoY -0.1% QoQ
-2.44% 15.83%
+1.5% YoY
13.59%
+0.0% YoY
17.06%
+0.8% YoY
51%
Non-Interest Income / Assets ? 0.11%
-10.3% YoY -77.8% QoQ
-0.17% 0.28%
+9.3% YoY
0.18%
-3.1% YoY
0.32%
+4.1% YoY
59%

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 (0)

No matched concern signatures this quarter

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 2664 peers in $100M-$1B

Top Strengths (5 metrics)

163
Efficiency Ratio
profitability
Value: 42.52%
Peer Median: 65.29%
#163 of 2664 Top 6.1% in $100M-$1B
346
Nonperforming Asset Ratio
credit_quality
Value: 0.01%
Peer Median: 0.64%
#346 of 2664 Top 13.0% in $100M-$1B
385
Delinquency Rate
credit_quality
Value: 0.01%
Peer Median: 0.89%
#385 of 2654 Top 14.5% in $100M-$1B
463
Loan-to-Deposit Ratio
liquidity
Value: 58.94%
Peer Median: 76.64%
#463 of 2664 Top 17.3% in $100M-$1B
495
Return on Assets
profitability
Value: 1.80%
Peer Median: 1.27%
#495 of 2664 Top 18.5% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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