BlastPoint's Banking Scorecard
Peoples Bank
Community
Specialty: Commercial
IN
FDIC cert 29523
Munster, IN
1484
banks in Community tier nationally
29 in IN
View Community leaderboard (IN) →
Peoples Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 17% in Community
- - Return on Assets 0.77% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.0B
-2.0% YoY
-1.6% QoQ
|
+$629.1M |
$1.4B
+2.0% YoY
|
$2.4B
+12.3% YoY
|
$5.9B
+6.5% YoY
|
80% |
| Total Loans ? |
$1.4B
-4.0% YoY
-1.7% QoQ
|
+$458.5M |
$975.5M
+2.4% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
79% |
| Total Deposits ? |
$1.7B
-2.1% YoY
-1.4% QoQ
|
+$562.9M |
$1.2B
+1.7% YoY
|
$1.9B
+12.7% YoY
|
$4.7B
+6.3% YoY
|
80% |
| Return on Assets ? |
0.40%
-32.2% YoY
-0.6% QoQ
|
-0.77% |
1.16%
+17.2% YoY
|
1.01%
+19.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 8% in tier |
| Net Interest Margin ? |
3.04%
+18.9% YoY
+2.3% QoQ
|
-0.63% |
3.66%
+9.1% YoY
|
3.50%
+10.2% YoY
|
3.75%
+7.1% YoY
|
19% |
| Efficiency Ratio ? |
84.90%
+7.2% YoY
-1.6% QoQ
|
+22.27% |
62.63%
-5.3% YoY
|
67.50%
-4.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 6% in tier |
| Delinquency Rate ? |
0.83%
-9.8% YoY
-12.9% QoQ
|
+0.20% |
0.63%
+18.3% YoY
|
0.77%
+9.8% YoY
|
0.66%
+20.3% YoY
|
31% |
| Loan-to-Deposit Ratio ? |
83.01%
-1.9% YoY
-0.3% QoQ
|
-0.05% |
83.06%
+0.3% YoY
|
82.11%
+1.7% YoY
|
78.04%
+0.7% YoY
|
55% |
| Non-Interest-Bearing Deposit Share ? |
15.28%
+2.4% YoY
-3.8% QoQ
|
-5.76% |
21.05%
-0.9% YoY
|
16.86%
-1.9% YoY
|
21.79%
-1.3% YoY
|
27% |
| Nonperforming Asset Ratio ? |
0.69%
-6.6% YoY
-9.1% QoQ
|
+0.19% |
0.50%
+20.3% YoY
|
0.58%
+19.3% YoY
|
0.48%
+20.8% YoY
|
30% |
| Tier 1 Capital Ratio ? |
11.86%
+5.3% YoY
+3.2% QoQ
|
+1.62% |
10.24%
-0.6% YoY
|
9.17%
+0.4% YoY
|
9.75%
-1.9% YoY
|
45% |
| Non-Interest Income / Assets ? |
0.55%
-52.0% YoY
+42.2% QoQ
|
-0.19% |
0.74%
-1.3% YoY
|
0.62%
-11.1% YoY
|
0.65%
+0.6% YoY
|
54% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Efficiency Drag
risk
#27 of 152 · Bottom 17% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
84.90%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 8%
in Community
Why this stands out
Current:
0.40%
(Tier avg: 1.16%, National avg: 1.12%)
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
80
80th pctile
Total Deposits
Current: $1.7B · Tier avg: $1.2B
80
80th pctile
Total Assets
Current: $2.0B · Tier avg: $1.4B
79
79th pctile
Total Loans
Current: $1.4B · Tier avg: $975.5M
55
55th pctile
Loan-to-Deposit Ratio
Current: 83.01% · Tier avg: 83.06%
54
54th pctile
Non-Interest Income / Assets
Current: 0.55% · Tier avg: 0.74%
45
45th pctile
Tier 1 Capital Ratio
Current: 11.86% · Tier avg: 10.24%
31
31th pctile
Delinquency Rate
Current: 0.83% · Tier avg: 0.63%
30
30th pctile
Nonperforming Asset Ratio
Current: 0.69% · Tier avg: 0.50%
27
27th pctile
Non-Interest-Bearing Deposit Share
Current: 15.28% · Tier avg: 21.05%
19
19th pctile
Net Interest Margin
Current: 3.04% · Tier avg: 3.66%
8
8th pctile
Return on Assets
Current: 0.40% · Tier avg: 1.16%
6
6th pctile
Efficiency Ratio
Current: 84.90% · Tier avg: 62.63%
Top Weaknesses
6
6th pctile
Efficiency Ratio
Current: 84.90% · Tier avg: 62.63%
8
8th pctile
Return on Assets
Current: 0.40% · Tier avg: 1.16%
19
19th pctile
Net Interest Margin
Current: 3.04% · Tier avg: 3.66%
27
27th pctile
Non-Interest-Bearing Deposit Share
Current: 15.28% · Tier avg: 21.05%
30
30th pctile
Nonperforming Asset Ratio
Current: 0.69% · Tier avg: 0.50%
31
31th pctile
Delinquency Rate
Current: 0.83% · Tier avg: 0.63%
45
45th pctile
Tier 1 Capital Ratio
Current: 11.86% · Tier avg: 10.24%
54
54th pctile
Non-Interest Income / Assets
Current: 0.55% · Tier avg: 0.74%
55
55th pctile
Loan-to-Deposit Ratio
Current: 83.01% · Tier avg: 83.06%
79
79th pctile
Total Loans
Current: $1.4B · Tier avg: $975.5M
80
80th pctile
Total Assets
Current: $2.0B · Tier avg: $1.4B
80
80th pctile
Total Deposits
Current: $1.7B · Tier avg: $1.2B