BlastPoint's Banking Scorecard
Peoples Exchange Bank
Designations: ✓ Community bank
Monroeville, 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 536 banks in the under $100M peer group nationwide — 1 of 12 in AL.
- Deposits +2.5% year over year ($86.6M on the books).
- Delinquency rate 2.47%.
- Return on assets 0.99%.
- Efficiency ratio 69.22% vs a 119.40% peer average.
- Loan-to-deposit ratio 60.46% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Peoples Exchange Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.09% above tier average
- + Efficiency Ratio 50.17% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.99% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$98.6M
+3.4% YoY
+0.9% QoQ
|
+$36.1M |
$62.4M
-0.0% YoY
|
$2.5B
+1.5% YoY
|
$6.3B
+7.7% YoY
|
Top 1.1% in tier |
| Total Loans ? |
$52.4M
-4.7% YoY
+0.1% QoQ
|
+$17.5M |
$34.9M
-0.6% YoY
|
$1.6B
+2.8% YoY
|
$3.2B
+9.4% YoY
|
79% |
| Total Deposits ? |
$86.6M
+2.5% YoY
+1.0% QoQ
|
+$35.0M |
$51.6M
-0.2% YoY
|
$2.1B
+0.3% YoY
|
$4.9B
+7.3% YoY
|
Top 1.7% in tier |
| Return on Assets ? |
0.99%
+78.9% YoY
+20.6% QoQ
|
-0.01% |
1.00%
+3.5% YoY
|
0.89%
-13.0% YoY
|
1.30%
+12.1% YoY
|
49% |
| Net Interest Margin ? |
4.00%
+0.2% YoY
+3.5% QoQ
|
+0.09% |
3.91%
+2.3% YoY
|
4.02%
+3.4% YoY
|
3.95%
+4.9% YoY
|
57% |
| Efficiency Ratio ? |
69.22%
-13.8% YoY
-2.0% QoQ
|
-50.17% |
119.40%
+49.6% YoY
|
69.53%
+4.0% YoY
|
70.05%
+2.5% YoY
|
54% |
| Delinquency Rate ? |
2.47%
-14.9% YoY
+56.7% QoQ
|
+0.99% |
1.48%
+31.8% YoY
|
1.13%
+25.5% YoY
|
0.98%
+16.3% YoY
|
16% |
| Loan-to-Deposit Ratio ? |
60.46%
-7.0% YoY
-0.8% QoQ
|
-13.75% |
74.21%
+12.6% YoY
|
67.62%
+0.9% YoY
|
79.03%
+2.3% YoY
|
59% |
| Non-Interest-Bearing Deposit Share ? |
31.29%
+7.3% YoY
-0.2% QoQ
|
+7.80% |
23.49%
+0.6% YoY
|
24.04%
+0.1% YoY
|
21.98%
-0.6% YoY
|
78% |
| Nonperforming Asset Ratio ? |
1.63%
-11.6% YoY
+22.4% QoQ
|
+0.80% |
0.84%
+23.0% YoY
|
0.74%
+25.2% YoY
|
0.69%
+15.8% YoY
|
Bottom 13.8% in tier |
| Tier 1 Capital Ratio ? |
13.46%
+5.2% YoY
+4.7% QoQ
|
-13.66% |
27.13%
+3.0% YoY
|
15.01%
+1.3% YoY
|
17.09%
+0.8% YoY
|
35% |
| Non-Interest Income / Assets ? |
0.08%
-53.5% YoY
|
-1.30% |
1.38%
+6.3% YoY
|
0.35%
-14.4% YoY
|
0.66%
+5.2% YoY
|
30% |
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 |
31.3%
+2.1pp YoY -0.1pp QoQ |
+6.6pp | 24.6% | 24.0% | 22.2% | 77% |
| Brokered Deposits | n/a | n/a | 9.8% | 5.5% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
19.7%
-1.6pp YoY -0.9pp QoQ |
+6.3pp | 13.4% | 16.9% | 12.5% | 79% |
| CRE |
34.1%
+2.2pp YoY +1.0pp QoQ |
+8.8pp | 25.2% | 43.5% | 41.4% | 71% |
| 1-4 Family |
28.8%
0.0pp YoY -0.8pp QoQ |
-6.2pp | 35.0% | 30.6% | 31.3% | 47% |
| Consumer |
5.2%
-0.3pp YoY -0.1pp QoQ |
-2.5pp | 7.7% | 5.7% | 5.0% | 51% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 15.1% | 19.7% | n/a |
| Leverage Ratio |
13.5%
+0.7pp YoY +0.6pp QoQ |
-4.2pp | 17.7% | 13.2% | 12.6% | 57% |
| Total Capital Ratio | n/a | n/a | 39.7% | 16.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
21
-3 (-12.5%) YoY 0 QoQ |
+9 | 12 | 304 | 482 | 92% |
| Assets per Employee ($) |
$4.7M
+18.2% YoY +0.9% QoQ |
-$1.5M | $6.2M | $6.9M | $8.8M | 30% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 20 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.2% | 0.4% | n/a |
| Nonaccrual |
2.5%
-0.4pp YoY +0.9pp QoQ |
+0.7pp | 1.7% | 1.2% | 1.0% | 82% |
| Allowance Coverage |
0.58x
+27.2% YoY -41.1% QoQ |
-5.83x | 6.41x | 7.50x | 20.23x | 26% |
| Net Charge-off Rate (YTD) |
0.2%
+0.1pp YoY |
+0.1pp | 0.2% | 0.3% | 0.2% | 80% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.6%
+3.3pp YoY +1.4pp QoQ |
+2.2pp | 6.4% | 10.0% | 11.6% | 54% |
| Cost of Funds (YTD) |
1.6%
-0.1pp YoY 0.0pp QoQ |
+0.2pp | 1.4% | 1.7% | 1.7% | 64% |
| Net Income ($, YTD) |
$482,000
+83.3% YoY — QoQ |
+$164K | $317,817 | $17.2M | $40.4M | 73% |
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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.