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Peoples Bank

$1B-$10B Specialty: Commercial WA FDIC cert 6158

Designations: ✓ Community bank

Bellingham, WA

23 branches across WA

884 banks in the $1B-$10B peer group nationally 13 in WA
View $1B-$10B leaderboard (WA) →

Peoples Bank has 2 strengths but faces 2 concerns

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

  • + Delinquency Rate 0.80% below tier average
  • + Net Interest Margin 0.15% above tier average

Key Concerns

Areas that may need attention

  • - ROA 0.52% below tier average
  • - Efficiency Ratio 14.20% above tier average
Get updates when Peoples Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (WA) National Avg Tier Percentile
Total Assets ? $2.5B
+3.3% YoY +2.0% QoQ
-$301.8M $2.8B
-0.1% YoY
$3.1B
+4.0% YoY
$6.2B
+9.1% YoY
61%
Total Loans ? $1.9B
-0.0% YoY -1.3% QoQ
-$44.5M $2.0B
+0.6% YoY
$2.2B
+2.0% YoY
$3.2B
+10.8% YoY
65%
Total Deposits ? $2.2B
+2.8% YoY +2.3% QoQ
-$161.3M $2.3B
-0.3% YoY
$2.5B
+4.5% YoY
$4.8B
+8.2% YoY
64%
Return on Assets ? 0.84%
+3.8% YoY -15.7% QoQ
-0.52% 1.37%
+19.6% YoY
0.33%
-42.8% YoY
1.23%
+13.4% YoY
22%
Net Interest Margin ? 3.97%
+3.1% YoY -2.9% QoQ
+0.15% 3.82%
+6.9% YoY
3.69%
+1.2% YoY
3.89%
+5.7% YoY
70%
Efficiency Ratio ? 75.26%
-0.6% YoY +6.2% QoQ
+14.20% 61.06%
-4.6% YoY
71.09%
-8.1% YoY
66.95%
-4.1% YoY
Bottom 14.3% in tier
Delinquency Rate ? 0.09%
-35.2% YoY +12.7% QoQ
-0.80% 0.89%
+14.1% YoY
1.35%
+102.7% YoY
0.95%
+18.8% YoY
Top 9.9% in tier
Loan-to-Deposit Ratio ? 88.01%
-2.8% YoY -3.6% QoQ
+3.80% 84.20%
+0.3% YoY
81.10%
-2.4% YoY
76.70%
+0.9% YoY
44%
Non-Interest-Bearing Deposit Share ? 30.84%
-4.2% YoY -5.2% QoQ
+9.55% 21.29%
-2.5% YoY
25.15%
+1.1% YoY
22.01%
-1.2% YoY
Top 14.3% in tier
Nonperforming Asset Ratio ? 0.10%
-29.6% YoY +5.2% QoQ
-0.58% 0.67%
+15.6% YoY
0.95%
+54.5% YoY
0.67%
+19.3% YoY
Top 14.1% in tier
Tier 1 Capital Ratio ? 12.56%
+2.3% YoY -1.8% QoQ
-2.60% 15.16%
+2.0% YoY
13.58%
+1.6% YoY
17.06%
+0.8% YoY
41%
Non-Interest Income / Assets ? 0.12%
-7.0% YoY -77.9% QoQ
-0.14% 0.26%
+1.6% YoY
0.20%
+3.0% YoY
0.32%
+4.1% YoY
39%

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 884 peers in $1B-$10B

Top Strengths (3 metrics)

88
Delinquency Rate
credit_quality
Value: 0.09%
Peer Median: 0.89%
#88 of 880 Top 9.9% in $1B-$10B
126
Nonperforming Asset Ratio
credit_quality
Value: 0.10%
Peer Median: 0.67%
#126 of 884 Top 14.1% in $1B-$10B
127
Non-Interest-Bearing Deposit Share
funding
Value: 30.84%
Peer Median: 21.29%
#127 of 884 Top 14.3% in $1B-$10B

Top Weaknesses (2 metrics)

759
Efficiency Ratio
profitability
Value: 75.26%
Peer Median: 61.06%
#759 of 884 Bottom 14.3% in $1B-$10B
687
Return on Assets
profitability
Value: 0.84%
Peer Median: 1.37%
#687 of 884 Bottom 22.4% in $1B-$10B
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