BlastPoint's Banking Scorecard
PeoplesTrust Bank
Hamilton, AL
3 branches across AL
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 63 in AL.
- Deposits +2.7% year over year ($177.6M on the books).
- Delinquency rate 0.46%.
- Return on assets 1.08%.
- Efficiency ratio 61.84% vs a 64.48% peer average.
- Loan-to-deposit ratio 74.12% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
PeoplesTrust Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 2.64% below tier average
- + Delinquency Rate 0.46% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.24% below tier average
- - Net Interest Margin 0.26% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$201.2M
+3.4% YoY
+1.7% QoQ
|
-$185.4M |
$386.6M
+1.2% YoY
|
$2.5B
+1.5% YoY
|
$6.3B
+7.7% YoY
|
27% |
| Total Loans ? |
$131.6M
-0.7% YoY
-1.8% QoQ
|
-$126.7M |
$258.3M
+1.7% YoY
|
$1.6B
+2.8% YoY
|
$3.2B
+9.4% YoY
|
29% |
| Total Deposits ? |
$177.6M
+2.7% YoY
+1.7% QoQ
|
-$149.2M |
$326.7M
+0.7% YoY
|
$2.1B
+0.3% YoY
|
$4.9B
+7.3% YoY
|
29% |
| Return on Assets ? |
1.08%
+17.0% YoY
-10.5% QoQ
|
-0.24% |
1.32%
+10.8% YoY
|
0.89%
-13.0% YoY
|
1.30%
+12.1% YoY
|
39% |
| Net Interest Margin ? |
3.73%
+3.1% YoY
-0.3% QoQ
|
-0.26% |
3.99%
+5.0% YoY
|
4.02%
+3.4% YoY
|
3.95%
+4.9% YoY
|
38% |
| Efficiency Ratio ? |
61.84%
+4.1% YoY
+5.3% QoQ
|
-2.64% |
64.48%
-3.2% YoY
|
69.53%
+4.0% YoY
|
70.05%
+2.5% YoY
|
52% |
| Delinquency Rate ? |
0.46%
-66.7% YoY
-6.5% QoQ
|
-0.46% |
0.92%
+15.7% YoY
|
1.13%
+25.5% YoY
|
0.98%
+16.3% YoY
|
48% |
| Loan-to-Deposit Ratio ? |
74.12%
-3.3% YoY
-3.5% QoQ
|
-3.83% |
77.95%
+1.0% YoY
|
67.62%
+0.9% YoY
|
79.03%
+2.3% YoY
|
62% |
| Non-Interest-Bearing Deposit Share ? |
19.64%
+5.6% YoY
+12.9% QoQ
|
-2.39% |
22.03%
-0.6% YoY
|
24.04%
+0.1% YoY
|
21.98%
-0.6% YoY
|
44% |
| Nonperforming Asset Ratio ? |
0.40%
-57.2% YoY
-29.5% QoQ
|
-0.27% |
0.67%
+16.4% YoY
|
0.74%
+25.2% YoY
|
0.69%
+15.8% YoY
|
44% |
| Tier 1 Capital Ratio ? |
11.11%
+6.7% YoY
+1.7% QoQ
|
-4.80% |
15.91%
+1.4% YoY
|
15.01%
+1.3% YoY
|
17.09%
+0.8% YoY
|
25% |
| Non-Interest Income / Assets ? |
0.17%
-30.0% YoY
+70.7% QoQ
|
-0.40% |
0.57%
+7.6% YoY
|
0.35%
-14.4% YoY
|
0.66%
+5.2% YoY
|
40% |
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 (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
19.6%
+1.0pp YoY +2.3pp QoQ |
-2.5pp | 22.1% | 24.0% | 22.2% | 44% |
| Brokered Deposits |
1.4%
-1.1pp YoY -1.1pp QoQ |
-6.5pp | 7.9% | 5.5% | 8.5% | 23% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
28.2%
-2.5pp YoY -0.9pp QoQ |
+16.6pp | 11.6% | 16.9% | 12.5% | 95% |
| CRE |
30.1%
-0.4pp YoY -0.8pp QoQ |
-9.5pp | 39.5% | 43.5% | 41.4% | 35% |
| 1-4 Family |
30.2%
+4.1pp YoY +1.1pp QoQ |
-2.4pp | 32.6% | 30.6% | 31.3% | 52% |
| Consumer |
7.4%
-0.4pp YoY 0.0pp QoQ |
+3.2pp | 4.1% | 5.7% | 5.0% | 87% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 15.1% | 19.7% | n/a |
| Leverage Ratio |
11.1%
+0.7pp YoY +0.2pp QoQ |
-1.1pp | 12.2% | 13.2% | 12.6% | 52% |
| Total Capital Ratio | n/a | n/a | 19.9% | 16.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
34
-4 (-10.5%) YoY +3 (+9.7%) QoQ |
-25 | 58 | 304 | 482 | 33% |
| Assets per Employee ($) |
$5.9M
+15.6% YoY -7.3% QoQ |
-$1.6M | $7.5M | $6.9M | $8.8M | 32% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 20 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.5%
-0.9pp YoY 0.0pp QoQ |
-0.5pp | 0.9% | 1.2% | 1.0% | 50% |
| Allowance Coverage |
3.35x
+173.5% YoY +7.6% QoQ |
-20.80x | 24.15x | 7.50x | 20.23x | 61% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.3% | 0.2% | 58% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.3%
+0.7pp YoY -1.2pp QoQ |
-1.9pp | 12.2% | 10.0% | 11.6% | 39% |
| Cost of Funds (YTD) |
2.5%
-0.2pp YoY 0.0pp QoQ |
+0.8pp | 1.7% | 1.7% | 1.7% | 89% |
| Net Income ($, YTD) |
$1.1M
+21.0% YoY — QoQ |
-$1.5M | $2.6M | $17.2M | $40.4M | 28% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.