BlastPoint's Banking Scorecard
Peoples Bank
Designations: ✓ Community bank
Newton, NC
16 branches across NC
Peoples Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 43.4% in tier
- + Non-Interest-Bearing Deposit Share 16.72% above tier average
- + Delinquency Rate 0.50% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.27% below tier average
- - Efficiency Ratio 8.76% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.7B
+2.4% YoY
+1.9% QoQ
|
-$1.1B |
$2.8B
-0.1% YoY
|
$92.4B
+2.4% YoY
|
$6.2B
+9.1% YoY
|
43% |
| Total Loans ? |
$1.2B
+8.0% YoY
+3.3% QoQ
|
-$730.4M |
$2.0B
+0.6% YoY
|
$45.0B
+8.2% YoY
|
$3.2B
+10.8% YoY
|
44% |
| Total Deposits ? |
$1.5B
+1.5% YoY
+2.1% QoQ
|
-$801.4M |
$2.3B
-0.3% YoY
|
$72.8B
+2.6% YoY
|
$4.8B
+8.2% YoY
|
46% |
| Return on Assets ? |
1.09%
-2.1% YoY
-12.3% QoQ
|
-0.27% |
1.37%
+19.6% YoY
|
0.99%
+29.5% YoY
|
1.23%
+13.4% YoY
|
40% |
| Net Interest Margin ? |
3.78%
+4.5% YoY
+0.6% QoQ
|
-0.03% |
3.82%
+6.9% YoY
|
3.42%
+5.0% YoY
|
3.89%
+5.7% YoY
|
59% |
| Efficiency Ratio ? |
69.82%
+0.4% YoY
+1.6% QoQ
|
+8.76% |
61.06%
-4.6% YoY
|
69.88%
-8.6% YoY
|
66.95%
-4.1% YoY
|
23% |
| Delinquency Rate ? |
0.39%
-10.0% YoY
+12.4% QoQ
|
-0.50% |
0.89%
+14.1% YoY
|
0.64%
+21.6% YoY
|
0.95%
+18.8% YoY
|
62% |
| Loan-to-Deposit Ratio ? |
80.06%
+6.4% YoY
+1.2% QoQ
|
-4.15% |
84.20%
+0.3% YoY
|
79.67%
+1.0% YoY
|
76.70%
+0.9% YoY
|
66% |
| Non-Interest-Bearing Deposit Share ? |
38.01%
+33.8% YoY
+38.8% QoQ
|
+16.72% |
21.29%
-2.5% YoY
|
18.50%
+0.3% YoY
|
22.01%
-1.2% YoY
|
Top 5.9% in tier |
| Nonperforming Asset Ratio ? |
0.28%
-7.4% YoY
+13.9% QoQ
|
-0.39% |
0.67%
+15.6% YoY
|
0.45%
+20.5% YoY
|
0.67%
+19.3% YoY
|
65% |
| Tier 1 Capital Ratio ? |
14.62%
+1.2% YoY
-1.4% QoQ
|
-0.54% |
15.16%
+2.0% YoY
|
20.13%
+3.0% YoY
|
17.06%
+0.8% YoY
|
70% |
| Non-Interest Income / Assets ? |
0.37%
-3.3% YoY
-79.6% QoQ
|
+0.12% |
0.26%
+1.6% YoY
|
0.21%
+7.3% YoY
|
0.32%
+4.1% YoY
|
Top 9.6% in tier |
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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)
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.