BlastPoint's Banking Scorecard
Peoples Bank
Designations: ✓ Community bank
Newton, NC
16 branches across NC
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 885 banks in the $1B-$10B peer group nationwide — 1 of 9 in NC.
- Deposits +3.5% year over year ($1.6B on the books).
- Delinquency rate 0.41%.
- Return on assets 1.18%.
- Efficiency ratio 68.93% vs a 59.73% peer average.
- Loan-to-deposit ratio 80.99% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Peoples Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 37.8% in tier
- + Non-Interest-Bearing Deposit Share 23.42% above tier average
- + Delinquency Rate 0.46% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.21% below tier average
- - Efficiency Ratio 9.20% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.8B
+4.2% YoY
+1.8% QoQ
|
-$1.0B |
$2.8B
-0.6% YoY
|
$92.1B
+0.4% YoY
|
$6.3B
+7.7% YoY
|
45% |
| Total Loans ? |
$1.3B
+10.5% YoY
+2.9% QoQ
|
-$692.6M |
$2.0B
-0.3% YoY
|
$45.3B
+5.8% YoY
|
$3.2B
+9.4% YoY
|
46% |
| Total Deposits ? |
$1.6B
+3.5% YoY
+1.8% QoQ
|
-$749.9M |
$2.3B
-0.5% YoY
|
$72.9B
+1.1% YoY
|
$4.9B
+7.3% YoY
|
48% |
| Return on Assets ? |
1.18%
-2.2% YoY
+8.3% QoQ
|
-0.21% |
1.39%
+17.0% YoY
|
1.06%
+26.4% YoY
|
1.30%
+12.1% YoY
|
43% |
| Net Interest Margin ? |
3.86%
+4.7% YoY
+1.9% QoQ
|
-0.01% |
3.87%
+6.2% YoY
|
3.48%
+5.1% YoY
|
3.95%
+4.9% YoY
|
59% |
| Efficiency Ratio ? |
68.93%
-0.9% YoY
-1.3% QoQ
|
+9.20% |
59.73%
-12.6% YoY
|
69.25%
-8.2% YoY
|
70.05%
+2.5% YoY
|
23% |
| Delinquency Rate ? |
0.41%
-2.4% YoY
+4.2% QoQ
|
-0.46% |
0.87%
+11.7% YoY
|
0.62%
+17.0% YoY
|
0.98%
+16.3% YoY
|
60% |
| Loan-to-Deposit Ratio ? |
80.99%
+6.7% YoY
+1.2% QoQ
|
-4.05% |
85.04%
-0.1% YoY
|
80.66%
+1.6% YoY
|
79.03%
+2.3% YoY
|
65% |
| Non-Interest-Bearing Deposit Share ? |
44.69%
+58.4% YoY
+17.6% QoQ
|
+23.42% |
21.27%
-1.5% YoY
|
18.90%
+1.9% YoY
|
21.98%
-0.6% YoY
|
Top 2.9% in tier |
| Nonperforming Asset Ratio ? |
0.29%
+3.5% YoY
+5.4% QoQ
|
-0.38% |
0.67%
+11.7% YoY
|
0.44%
+14.6% YoY
|
0.69%
+15.8% YoY
|
63% |
| Tier 1 Capital Ratio ? |
14.55%
-1.6% YoY
-0.5% QoQ
|
-0.29% |
14.84%
-0.4% YoY
|
20.01%
+3.4% YoY
|
17.09%
+0.8% YoY
|
70% |
| Non-Interest Income / Assets ? |
0.77%
-8.2% YoY
+106.7% QoQ
|
+0.24% |
0.53%
+2.5% YoY
|
0.43%
+2.6% YoY
|
0.66%
+5.2% YoY
|
Top 9.0% in tier |
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 (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
44.7%
+16.5pp YoY +6.7pp QoQ |
+23.3pp | 21.4% | 21.8% | 22.2% | 97% |
| Brokered Deposits | n/a | n/a | 9.5% | 7.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
5.2%
+0.7pp YoY +0.4pp QoQ |
-8.8pp | 14.0% | 10.5% | 12.5% | 19% |
| CRE |
57.5%
+0.4pp YoY -0.1pp QoQ |
+7.5pp | 50.0% | 46.3% | 41.4% | 69% |
| 1-4 Family |
33.5%
-1.2pp YoY -0.3pp QoQ |
+7.1pp | 26.4% | 44.2% | 31.3% | 73% |
| Consumer |
1.1%
+0.6pp YoY -0.1pp QoQ |
-3.6pp | 4.7% | 1.6% | 5.0% | 48% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
14.6%
-0.2pp YoY -0.1pp QoQ |
-1.0pp | 15.6% | 22.8% | 19.7% | 65% |
| Leverage Ratio |
11.5%
+0.5pp YoY +0.1pp QoQ |
+0.2pp | 11.3% | 14.4% | 12.6% | 70% |
| Total Capital Ratio |
15.4%
-0.2pp YoY -0.1pp QoQ |
-1.3pp | 16.7% | 23.8% | 20.8% | 62% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
266
-11 (-4.0%) YoY +2 (+0.8%) QoQ |
-48 | 313 | 5,103 | 482 | 58% |
| Assets per Employee ($) |
$6.6M
+8.5% YoY +1.0% QoQ |
-$3.8M | $10.5M | $9.4M | $8.8M | 20% |
| Branch Count |
16
-1 (-5.9%) YoY 0 QoQ |
-4 | 20 | 170 | 18 | 53% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.1% | 0.4% | n/a |
| Nonaccrual |
0.4%
0.0pp YoY 0.0pp QoQ |
-0.4pp | 0.8% | 0.7% | 1.0% | 41% |
| Allowance Coverage |
2.04x
+0.7% YoY -5.3% QoQ |
-16.67x | 18.71x | 3.36x | 20.23x | 50% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.1% | 0.2% | 43% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.9%
-1.5pp YoY +0.9pp QoQ |
-0.7pp | 12.6% | 8.7% | 11.6% | 48% |
| Cost of Funds (YTD) |
1.3%
-0.1pp YoY 0.0pp QoQ |
-0.6pp | 1.9% | 1.8% | 1.7% | 14% |
| Net Income ($, YTD) |
$10.3M
+0.9% YoY — QoQ |
-$9.0M | $19.2M | $518.0M | $40.4M | 41% |
Get Full Access to Peoples Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.