BlastPoint's Banking Scorecard
Peoples Exchange Bank
Designations: ✓ Community bank
Monroeville, AL
Peoples Exchange Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 16.99% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.67% below tier average
- - Delinquency Rate 0.22% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$97.7M
+0.6% YoY
+0.7% QoQ
|
+$35.4M |
$62.3M
-0.5% YoY
|
$2.5B
+0.2% YoY
|
$6.2B
+9.0% YoY
|
Top 2.8% in tier |
| Total Loans ? |
$52.3M
-4.1% YoY
-0.7% QoQ
|
+$18.0M |
$34.3M
-1.5% YoY
|
$1.5B
+2.4% YoY
|
$3.2B
+10.7% YoY
|
80% |
| Total Deposits ? |
$85.8M
-0.7% YoY
+0.4% QoQ
|
+$34.0M |
$51.8M
-0.6% YoY
|
$2.1B
-0.2% YoY
|
$4.8B
+8.0% YoY
|
Top 2.8% in tier |
| Return on Assets ? |
0.82%
+75.8% YoY
+10.0% QoQ
|
-0.04% |
0.86%
-3.6% YoY
|
0.78%
-19.5% YoY
|
1.24%
+13.1% YoY
|
44% |
| Net Interest Margin ? |
3.86%
-1.9% YoY
-5.5% QoQ
|
+0.00% |
3.87%
+2.7% YoY
|
3.99%
+5.2% YoY
|
3.89%
+5.7% YoY
|
53% |
| Efficiency Ratio ? |
70.63%
-15.7% YoY
-9.2% QoQ
|
-16.99% |
87.63%
+2.3% YoY
|
72.13%
+5.1% YoY
|
66.84%
-3.8% YoY
|
51% |
| Delinquency Rate ? |
1.58%
-44.1% YoY
+1.1% QoQ
|
+0.22% |
1.36%
+33.7% YoY
|
1.09%
+24.8% YoY
|
0.95%
+18.8% YoY
|
26% |
| Loan-to-Deposit Ratio ? |
60.96%
-3.3% YoY
-1.2% QoQ
|
-3.15% |
64.11%
-0.9% YoY
|
67.08%
+2.0% YoY
|
76.69%
+0.9% YoY
|
56% |
| Non-Interest-Bearing Deposit Share ? |
31.35%
+8.7% YoY
-45.5% QoQ
|
+7.56% |
23.79%
+0.5% YoY
|
23.89%
+0.0% YoY
|
22.01%
-1.1% YoY
|
76% |
| Nonperforming Asset Ratio ? |
1.33%
-23.9% YoY
+2.7% QoQ
|
+0.56% |
0.77%
+28.7% YoY
|
0.71%
+24.8% YoY
|
0.66%
+19.3% YoY
|
19% |
| Tier 1 Capital Ratio ? |
12.86%
-0.2% YoY
-3.0% QoQ
|
-13.92% |
26.77%
+2.0% YoY
|
16.96%
+13.8% YoY
|
17.06%
+0.8% YoY
|
31% |
| Non-Interest Income / Assets ? |
0.01%
-93.5% YoY
-98.5% QoQ
|
-0.67% |
0.67%
+1.6% YoY
|
0.16%
-16.3% YoY
|
0.32%
+4.0% YoY
|
Bottom 3.7% 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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.