BlastPoint's Banking Scorecard
Peoples Bank of Graceville
Micro
Specialty: Other
FL
FDIC cert 21692
Designations: ✓ Community bank
Graceville, FL
2498
banks in Micro tier nationally
35 in FL
View Micro leaderboard (FL) →
Peoples Bank of Graceville has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Loan-to-Deposit Ratio 35.99% below tier
- + Nonperforming Asset Ratio 0.45% below tier
- + Tier 1 Capital Ratio 20.78% above tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.51% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$113.2M
-0.8% YoY
-4.9% QoQ
|
-$104.3M |
$217.5M
+2.3% YoY
|
$4.1B
+13.2% YoY
|
$5.9B
+6.5% YoY
|
27% |
| Total Loans ? |
$40.2M
+1.9% YoY
-2.0% QoQ
|
-$99.0M |
$139.2M
+2.8% YoY
|
$2.9B
+14.7% YoY
|
$3.1B
+8.5% YoY
|
15% |
| Total Deposits ? |
$104.2M
-1.9% YoY
-5.7% QoQ
|
-$79.4M |
$183.7M
+1.8% YoY
|
$3.4B
+13.4% YoY
|
$4.7B
+6.3% YoY
|
30% |
| Return on Assets ? |
0.86%
+21.7% YoY
+9.5% QoQ
|
-0.22% |
1.08%
+14.7% YoY
|
1.01%
+12.7% YoY
|
1.12%
+15.6% YoY
|
37% |
| Net Interest Margin ? |
2.34%
+10.9% YoY
+4.1% QoQ
|
-1.51% |
3.85%
+6.6% YoY
|
3.69%
+4.1% YoY
|
3.75%
+7.1% YoY
|
Bottom 4% in tier |
| Efficiency Ratio ? |
66.20%
-4.9% YoY
-2.3% QoQ
|
-1.52% |
67.73%
-4.8% YoY
|
67.57%
-3.0% YoY
|
65.09%
-5.1% YoY
|
50% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.64% |
0.64%
+24.4% YoY
|
0.34%
-31.5% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
38.53%
+3.9% YoY
+3.9% QoQ
|
-35.99% |
74.53%
+0.5% YoY
|
76.49%
+0.5% YoY
|
78.04%
+0.7% YoY
|
Top 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.28%
+7.5% YoY
+10.0% QoQ
|
+0.89% |
22.39%
-1.3% YoY
|
27.37%
-1.6% YoY
|
21.79%
-1.3% YoY
|
57% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.45% |
0.45%
+25.1% YoY
|
0.26%
-19.5% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
29.63%
+2.3% YoY
-1.2% QoQ
|
+20.78% |
8.85%
-3.4% YoY
|
11.37%
-0.5% YoY
|
9.75%
-1.9% YoY
|
Top 4% in tier |
| Non-Interest Income / Assets ? |
0.30%
+8.6% YoY
+42.2% QoQ
|
-0.27% |
0.56%
+0.3% YoY
|
0.85%
-7.6% YoY
|
0.65%
+0.6% YoY
|
40% |
Signature Analysis
Strengths (4)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 5%
in Micro
Why this stands out
Current:
38.53%
(Tier avg: 74.53%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 4%
in Micro
Why this stands out
Current:
29.63%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (1)
Net Interest Margin
metric
Bottom 4%
in Micro
Why this stands out
Current:
2.34%
(Tier avg: 3.85%, National avg: 3.75%)
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
Tier 1 Capital Ratio
Current: 29.63% · Tier avg: 8.85%
95
95th pctile
Loan-to-Deposit Ratio
Current: 38.53% · Tier avg: 74.53%
57
57th pctile
Non-Interest-Bearing Deposit Share
Current: 23.28% · Tier avg: 22.39%
50
50th pctile
Efficiency Ratio
Current: 66.20% · Tier avg: 67.73%
40
40th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.56%
37
37th pctile
Return on Assets
Current: 0.86% · Tier avg: 1.08%
30
30th pctile
Total Deposits
Current: $104.2M · Tier avg: $183.7M
27
27th pctile
Total Assets
Current: $113.2M · Tier avg: $217.5M
15
15th pctile
Total Loans
Current: $40.2M · Tier avg: $139.2M
4
4th pctile
Net Interest Margin
Current: 2.34% · Tier avg: 3.85%
Top Weaknesses
4
4th pctile
Net Interest Margin
Current: 2.34% · Tier avg: 3.85%
15
15th pctile
Total Loans
Current: $40.2M · Tier avg: $139.2M
27
27th pctile
Total Assets
Current: $113.2M · Tier avg: $217.5M
30
30th pctile
Total Deposits
Current: $104.2M · Tier avg: $183.7M
37
37th pctile
Return on Assets
Current: 0.86% · Tier avg: 1.08%
40
40th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.56%
50
50th pctile
Efficiency Ratio
Current: 66.20% · Tier avg: 67.73%
57
57th pctile
Non-Interest-Bearing Deposit Share
Current: 23.28% · Tier avg: 22.39%
95
95th pctile
Loan-to-Deposit Ratio
Current: 38.53% · Tier avg: 74.53%
96
96th pctile
Tier 1 Capital Ratio
Current: 29.63% · Tier avg: 8.85%
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%