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Peoples Exchange Bank

under $100M Specialty: Commercial AL FDIC cert 70

Designations: ✓ Community bank

Monroeville, AL

541 banks in the under $100M peer group nationally 12 in AL
View under $100M leaderboard (AL) →

Peoples Exchange Bank has 1 strength 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

  • + Efficiency Ratio 17.71% below tier average

Key Concerns

Areas that may need attention

  • - Non-Interest Income / Assets 0.66% below tier average
  • - Delinquency Rate 0.21% above tier average
Get updates when Peoples Exchange Bank releases new data →

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
+$35.5M $62.2M
-0.6% YoY
$2.5B
+0.2% YoY
$6.2B
+9.1% YoY
Top 2.8% in tier
Total Loans ? $52.3M
-4.1% YoY -0.7% QoQ
+$18.0M $34.2M
-1.4% YoY
$1.5B
+2.4% YoY
$3.2B
+10.8% YoY
80%
Total Deposits ? $85.8M
-0.7% YoY +0.4% QoQ
+$34.0M $51.7M
-0.7% YoY
$2.1B
-0.2% YoY
$4.8B
+8.2% YoY
Top 2.8% in tier
Return on Assets ? 0.82%
+75.8% YoY +10.0% QoQ
-0.02% 0.84%
-2.3% YoY
0.78%
-19.5% YoY
1.23%
+13.4% YoY
44%
Net Interest Margin ? 3.86%
-1.9% YoY -5.5% QoQ
+0.00% 3.86%
+2.8% YoY
3.99%
+5.2% YoY
3.89%
+5.7% YoY
53%
Efficiency Ratio ? 70.63%
-15.7% YoY -9.2% QoQ
-17.71% 88.34%
+0.3% YoY
72.13%
+5.1% YoY
66.95%
-4.1% YoY
52%
Delinquency Rate ? 1.58%
-44.1% YoY +1.1% QoQ
+0.21% 1.37%
+33.8% YoY
1.09%
+24.8% YoY
0.95%
+18.8% YoY
26%
Loan-to-Deposit Ratio ? 60.96%
-3.3% YoY -1.2% QoQ
-3.26% 64.22%
-0.7% YoY
67.08%
+2.0% YoY
76.70%
+0.9% YoY
57%
Non-Interest-Bearing Deposit Share ? 31.35%
+8.7% YoY -45.5% QoQ
+7.64% 23.71%
+0.3% YoY
23.89%
+0.0% YoY
22.01%
-1.2% YoY
77%
Nonperforming Asset Ratio ? 1.33%
-23.9% YoY +2.7% QoQ
+0.55% 0.79%
+28.2% YoY
0.71%
+24.8% YoY
0.67%
+19.3% YoY
19%
Tier 1 Capital Ratio ? 12.86%
-0.2% YoY -3.0% QoQ
-13.83% 26.68%
+2.0% YoY
16.96%
+13.8% YoY
17.06%
+0.8% YoY
30%
Non-Interest Income / Assets ? 0.01%
-93.5% YoY -98.5% QoQ
-0.66% 0.67%
+1.9% YoY
0.16%
-16.3% YoY
0.32%
+4.1% YoY
Bottom 3.7% in tier

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 541 peers in under $100M

Top Strengths (4 metrics)

16
Total Assets
size
Value: $97.69M
Peer Median: $62.16M
#16 of 541 Top 2.8% in under $100M
16
Total Deposits
size
Value: $85.78M
Peer Median: $51.74M
#16 of 541 Top 2.8% in under $100M
109
Total Loans
size
Value: $52.29M
Peer Median: $34.25M
#109 of 541 Top 20.0% in under $100M
128
Non-Interest-Bearing Deposit Share
funding
Value: 31.35%
Peer Median: 23.71%
#128 of 541 Top 23.5% in under $100M

Top Weaknesses (2 metrics)

522
Non-Interest Income / Assets
revenue_mix
Value: 0.01%
Peer Median: 0.67%
#522 of 541 Bottom 3.7% in under $100M
438
Nonperforming Asset Ratio
credit_quality
Value: 1.33%
Peer Median: 0.79%
#438 of 541 Bottom 19.2% in under $100M
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