BlastPoint's Banking Scorecard

Peoples Bank

under $100M Specialty: Commercial LA FDIC cert 9328

Designations: ✓ Community bank

Chatham, LA

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 11 in LA.
Deposits -5.8% year over year ($72.4M on the books).
Delinquency rate 1.34%.
Return on assets 1.74%.
Efficiency ratio 58.84% vs a 119.40% peer average.
Loan-to-deposit ratio 94.00% vs a 74.21% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

536 banks in the under $100M peer group nationally 11 in LA

View under $100M leaderboard (LA) →

Peoples Bank demonstrates 4 strengths

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

+ ROA 0.74% above tier average
+ Net Interest Margin 1.06% above tier average
+ Efficiency Ratio 60.55% below tier average
+ Delinquency Rate 0.14% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Peoples Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Total Assets ?	$86.1M -3.8% YoY -1.3% QoQ	+$23.7M	$62.4M -0.0% YoY	$799.3M +7.8% YoY	$6.3B +7.7% YoY	80%
Total Loans ?	$68.0M -2.5% YoY +0.5% QoQ	+$33.1M	$34.9M -0.6% YoY	$538.5M +5.3% YoY	$3.2B +9.4% YoY	Top 6.9% in tier
Total Deposits ?	$72.4M -5.8% YoY -1.9% QoQ	+$20.7M	$51.6M -0.2% YoY	$677.9M +7.3% YoY	$4.9B +7.3% YoY	79%
Return on Assets ?	1.74% +57.4% YoY +26.7% QoQ	+0.74%	1.00% +3.5% YoY	1.37% +23.6% YoY	1.30% +12.1% YoY	83%
Net Interest Margin ?	4.97% +20.4% YoY +14.9% QoQ	+1.06%	3.91% +2.3% YoY	4.15% +0.0% YoY	3.95% +4.9% YoY	Top 14.2% in tier
Efficiency Ratio ?	58.84% -18.3% YoY -11.1% QoQ	-60.55%	119.40% +49.6% YoY	69.40% -0.9% YoY	70.05% +2.5% YoY	74%
Delinquency Rate ?	1.34% -68.0% YoY -18.8% QoQ	-0.14%	1.48% +31.8% YoY	1.53% +7.9% YoY	0.98% +16.3% YoY	30%
Loan-to-Deposit Ratio ?	94.00% +3.4% YoY +2.4% QoQ	+19.79%	74.21% +12.6% YoY	77.15% -1.0% YoY	79.03% +2.3% YoY	Bottom 13.6% in tier
Non-Interest-Bearing Deposit Share ?	8.26% +21.7% YoY +8.5% QoQ	-15.23%	23.49% +0.6% YoY	24.65% +0.5% YoY	21.98% -0.6% YoY	Bottom 13.2% in tier
Nonperforming Asset Ratio ?	1.15% -65.0% YoY -11.6% QoQ	+0.32%	0.84% +23.0% YoY	1.11% +4.1% YoY	0.69% +15.8% YoY	22%
Tier 1 Capital Ratio ?	15.75% +20.5% YoY +1.0% QoQ	-11.38%	27.13% +3.0% YoY	17.35% +5.4% YoY	17.09% +0.8% YoY	52%
Non-Interest Income / Assets ?	0.09% -18.3% YoY +110.9% QoQ	-1.29%	1.38% +6.3% YoY	0.33% +19.6% YoY	0.66% +5.2% YoY	35%

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 (LA)	National Avg	Tier Percentile
Noninterest-Bearing	8.3% +1.5pp YoY +0.6pp QoQ	-16.4pp	24.6%	24.6%	22.2%	9%
Brokered Deposits	n/a	n/a	9.8%	6.7%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
C&I	17.8% +0.2pp YoY -1.0pp QoQ	+4.4pp	13.4%	12.6%	12.5%	75%
CRE	35.6% -1.3pp YoY +2.7pp QoQ	+10.4pp	25.2%	44.9%	41.4%	74%
1-4 Family	44.5% +1.6pp YoY -1.5pp QoQ	+9.5pp	35.0%	34.2%	31.3%	67%
Consumer	3.4% -0.4pp YoY +0.1pp QoQ	-4.3pp	7.7%	4.2%	5.0%	36%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
CET1 Ratio	15.8% +2.7pp YoY +0.2pp QoQ	-22.9pp	38.7%	22.5%	19.7%	27%
Leverage Ratio	11.7% +2.0pp YoY +0.5pp QoQ	-6.0pp	17.7%	13.4%	12.6%	36%
Total Capital Ratio	17.0% +2.7pp YoY +0.2pp QoQ	-22.7pp	39.7%	23.6%	20.8%	28%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Full-Time Employees	11 +1 (+10.0%) YoY +1 (+10.0%) QoQ	-1	12	114	482	50%
Assets per Employee ($)	$7.8M -12.5% YoY -10.3% QoQ	+$1.6M	$6.2M	$6.8M	$8.8M	77%
Branch Count	1 0 YoY 0 QoQ	-1	1	9	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	1.0%	0.4%	0.4%	n/a
Nonaccrual	1.3% -2.8pp YoY -0.2pp QoQ	-0.4pp	1.7%	1.4%	1.0%	64%
Allowance Coverage	1.13x +246.1% YoY +48.0% QoQ	-5.28x	6.41x	27.36x	20.23x	46%
Net Charge-off Rate (YTD)	-0.2% -0.2pp YoY -0.4pp QoQ	-0.4pp	0.2%	0.1%	0.2%	6%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
ROE	11.7% +3.3pp YoY +2.3pp QoQ	+5.3pp	6.4%	12.5%	11.6%	70%
Cost of Funds (YTD)	3.0% -0.4pp YoY -0.1pp QoQ	+1.6pp	1.4%	1.7%	1.7%	99%
Net Income ($, YTD)	$755,000 +52.8% YoY — QoQ	+$437K	$317,817	$5.1M	$40.4M	90%

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12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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).

Compare against:

Comparing against 536 peers in under $100M

Top Strengths (5 metrics)

Total Loans

size

Value: $68.01M

Peer Median: $34.89M

#38 of 536 Top 6.9% in under $100M

Net Interest Margin

profitability

Value: 4.97%

Peer Median: 3.91%

#77 of 536 Top 14.2% in under $100M

Return on Assets

profitability

Value: 1.74%

Peer Median: 1.00%

#94 of 536 Top 17.4% in under $100M

110

Total Assets

size

Value: $86.11M

Peer Median: $62.44M

#110 of 536 Top 20.3% in under $100M

116

Total Deposits

size

Value: $72.35M

Peer Median: $51.62M

#116 of 536 Top 21.5% in under $100M

Top Weaknesses (3 metrics)

466

Non-Interest-Bearing Deposit Share

funding

Value: 8.26%

Peer Median: 23.49%

#466 of 536 Bottom 13.2% in under $100M

464

Loan-to-Deposit Ratio

liquidity

Value: 94.00%

Peer Median: 74.21%

#464 of 536 Bottom 13.6% in under $100M

421

Nonperforming Asset Ratio

credit_quality

Value: 1.15%

Peer Median: 0.84%

#421 of 536 Bottom 21.6% in under $100M