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Peoples Bank

under $100M Specialty: Commercial LA FDIC cert 9328

Designations: ✓ Community bank

Chatham, LA

541 banks in the under $100M peer group nationally 11 in LA
View under $100M leaderboard (LA) →

Peoples Bank has 3 strengths but faces 1 concern

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 0.54% above tier average
  • + Net Interest Margin 0.46% above tier average
  • + Efficiency Ratio 22.13% below tier average

Key Concerns

Areas that may need attention

  • - Delinquency Rate 0.28% 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 (LA) National Avg Tier Percentile
Total Assets ? $87.2M
-3.4% YoY +0.5% QoQ
+$25.1M $62.2M
-0.6% YoY
$784.8M
+7.0% YoY
$6.2B
+9.1% YoY
82%
Total Loans ? $67.7M
-4.4% YoY +2.0% QoQ
+$33.4M $34.2M
-1.4% YoY
$523.7M
+4.0% YoY
$3.2B
+10.8% YoY
Top 5.9% in tier
Total Deposits ? $73.8M
-5.2% YoY +0.0% QoQ
+$22.0M $51.7M
-0.7% YoY
$671.5M
+6.9% YoY
$4.8B
+8.2% YoY
80%
Return on Assets ? 1.37%
+39.3% YoY +16.3% QoQ
+0.54% 0.84%
-2.3% YoY
1.24%
+12.4% YoY
1.23%
+13.4% YoY
72%
Net Interest Margin ? 4.32%
+13.0% YoY -8.2% QoQ
+0.46% 3.86%
+2.8% YoY
4.12%
+1.2% YoY
3.89%
+5.7% YoY
69%
Efficiency Ratio ? 66.21%
-9.7% YoY +14.3% QoQ
-22.13% 88.34%
+0.3% YoY
70.37%
-1.0% YoY
66.95%
-4.1% YoY
62%
Delinquency Rate ? 1.65%
-63.9% YoY +70.4% QoQ
+0.28% 1.37%
+33.8% YoY
1.51%
+4.5% YoY
0.95%
+18.8% YoY
25%
Loan-to-Deposit Ratio ? 91.75%
+0.9% YoY +2.0% QoQ
+27.54% 64.22%
-0.7% YoY
75.16%
-1.5% YoY
76.70%
+0.9% YoY
Bottom 14.4% in tier
Non-Interest-Bearing Deposit Share ? 7.62%
+5.1% YoY +8.5% QoQ
-16.10% 23.71%
+0.3% YoY
24.55%
-1.4% YoY
22.01%
-1.2% YoY
Bottom 12.8% in tier
Nonperforming Asset Ratio ? 1.30%
-64.0% YoY +76.3% QoQ
+0.52% 0.79%
+28.2% YoY
1.07%
+4.2% YoY
0.67%
+19.3% YoY
20%
Tier 1 Capital Ratio ? 15.59%
+26.6% YoY +5.7% QoQ
-11.10% 26.68%
+2.0% YoY
16.56%
+0.4% YoY
17.06%
+0.8% YoY
51%
Non-Interest Income / Assets ? 0.04%
-29.1% YoY -92.6% QoQ
-0.62% 0.67%
+1.9% YoY
0.11%
-17.3% YoY
0.32%
+4.1% YoY
35%

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 (3 metrics)

33
Total Loans
size
Value: $67.69M
Peer Median: $34.25M
#33 of 541 Top 5.9% in under $100M
96
Total Assets
size
Value: $87.25M
Peer Median: $62.16M
#96 of 541 Top 17.6% in under $100M
109
Total Deposits
size
Value: $73.77M
Peer Median: $51.74M
#109 of 541 Top 20.0% in under $100M

Top Weaknesses (3 metrics)

473
Non-Interest-Bearing Deposit Share
funding
Value: 7.62%
Peer Median: 23.71%
#473 of 541 Bottom 12.8% in under $100M
464
Loan-to-Deposit Ratio
liquidity
Value: 91.75%
Peer Median: 64.22%
#464 of 541 Bottom 14.4% in under $100M
436
Nonperforming Asset Ratio
credit_quality
Value: 1.30%
Peer Median: 0.79%
#436 of 541 Bottom 19.6% in under $100M
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