BlastPoint's Banking Scorecard
The Peoples Bank
Micro
Specialty: Commercial
SC
FDIC cert 16968
Designations: ✓ Community bank
Iva, SC
2498
banks in Micro tier nationally
21 in SC
View Micro leaderboard (SC) →
The Peoples Bank demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$439.5M
+3.7% YoY
+0.5% QoQ
|
+$222.0M |
$217.5M
+2.3% YoY
|
$1.4B
+4.5% YoY
|
$5.9B
+6.5% YoY
|
Top 7% in tier |
| Total Loans ? |
$260.3M
+7.3% YoY
-0.3% QoQ
|
+$121.1M |
$139.2M
+2.8% YoY
|
$973.5M
+7.4% YoY
|
$3.1B
+8.5% YoY
|
Top 14% in tier |
| Total Deposits ? |
$390.5M
+2.2% YoY
+0.9% QoQ
|
+$206.8M |
$183.7M
+1.8% YoY
|
$1.2B
+4.1% YoY
|
$4.7B
+6.3% YoY
|
Top 4% in tier |
| Return on Assets ? |
1.61%
-0.8% YoY
+0.8% QoQ
|
+0.53% |
1.08%
+14.7% YoY
|
0.95%
+14.5% YoY
|
1.12%
+15.6% YoY
|
79% |
| Net Interest Margin ? |
4.24%
+4.5% YoY
+1.0% QoQ
|
+0.39% |
3.85%
+6.6% YoY
|
3.61%
+7.8% YoY
|
3.75%
+7.1% YoY
|
69% |
| Efficiency Ratio ? |
62.75%
+3.0% YoY
-0.1% QoQ
|
-4.98% |
67.73%
-4.8% YoY
|
68.53%
-3.0% YoY
|
65.09%
-5.1% YoY
|
59% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.64% |
0.64%
+24.4% YoY
|
0.35%
-2.9% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
66.65%
+5.0% YoY
-1.2% QoQ
|
-7.88% |
74.53%
+0.5% YoY
|
73.98%
+1.0% YoY
|
78.04%
+0.7% YoY
|
66% |
| Non-Interest-Bearing Deposit Share ? |
21.10%
-3.8% YoY
+2.2% QoQ
|
-1.29% |
22.39%
-1.3% YoY
|
20.79%
-0.7% YoY
|
21.79%
-1.3% YoY
|
47% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.45% |
0.45%
+25.1% YoY
|
0.23%
-5.4% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
17.46%
-0.2% YoY
-2.8% QoQ
|
+8.61% |
8.85%
-3.4% YoY
|
12.85%
+2.9% YoY
|
9.75%
-1.9% YoY
|
81% |
| Non-Interest Income / Assets ? |
0.73%
-11.6% YoY
+30.7% QoQ
|
+0.17% |
0.56%
+0.3% YoY
|
0.49%
-7.0% YoY
|
0.65%
+0.6% YoY
|
84% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
96
96th pctile
Total Deposits
Current: $390.5M · Tier avg: $183.7M
93
93th pctile
Total Assets
Current: $439.5M · Tier avg: $217.5M
86
86th pctile
Total Loans
Current: $260.3M · Tier avg: $139.2M
84
84th pctile
Non-Interest Income / Assets
Current: 0.73% · Tier avg: 0.56%
81
81th pctile
Tier 1 Capital Ratio
Current: 17.46% · Tier avg: 8.85%
79
79th pctile
Return on Assets
Current: 1.61% · Tier avg: 1.08%
69
69th pctile
Net Interest Margin
Current: 4.24% · Tier avg: 3.85%
66
66th pctile
Loan-to-Deposit Ratio
Current: 66.65% · Tier avg: 74.53%
59
59th pctile
Efficiency Ratio
Current: 62.75% · Tier avg: 67.73%
47
47th pctile
Non-Interest-Bearing Deposit Share
Current: 21.10% · Tier avg: 22.39%
Top Weaknesses
47
47th pctile
Non-Interest-Bearing Deposit Share
Current: 21.10% · Tier avg: 22.39%
59
59th pctile
Efficiency Ratio
Current: 62.75% · Tier avg: 67.73%
66
66th pctile
Loan-to-Deposit Ratio
Current: 66.65% · Tier avg: 74.53%
69
69th pctile
Net Interest Margin
Current: 4.24% · Tier avg: 3.85%
79
79th pctile
Return on Assets
Current: 1.61% · Tier avg: 1.08%
81
81th pctile
Tier 1 Capital Ratio
Current: 17.46% · Tier avg: 8.85%
84
84th pctile
Non-Interest Income / Assets
Current: 0.73% · Tier avg: 0.56%
86
86th pctile
Total Loans
Current: $260.3M · Tier avg: $139.2M
93
93th pctile
Total Assets
Current: $439.5M · Tier avg: $217.5M
96
96th pctile
Total Deposits
Current: $390.5M · Tier avg: $183.7M
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%