BlastPoint's Banking Scorecard
PEOPLES BANK
Micro
Specialty: Commercial
AR
FDIC cert 57058
Designations: ✓ Community bank
Sheridan, AR
2498
banks in Micro tier nationally
40 in AR
View Micro leaderboard (AR) →
PEOPLES BANK shows strong momentum with 1 strength and 9.2% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 23.14% 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 (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$289.7M
+9.2% YoY
+0.7% QoQ
|
+$72.2M |
$217.5M
+2.3% YoY
|
$2.3B
+2.4% YoY
|
$5.9B
+6.5% YoY
|
70% |
| Total Loans ? |
$151.3M
+15.7% YoY
+0.3% QoQ
|
+$12.1M |
$139.2M
+2.8% YoY
|
$1.6B
+6.2% YoY
|
$3.1B
+8.5% YoY
|
61% |
| Total Deposits ? |
$249.8M
+8.0% YoY
+0.6% QoQ
|
+$66.1M |
$183.7M
+1.8% YoY
|
$1.9B
+3.0% YoY
|
$4.7B
+6.3% YoY
|
71% |
| Return on Assets ? |
1.76%
+5.7% YoY
-2.5% QoQ
|
+0.67% |
1.08%
+14.7% YoY
|
1.19%
+9.0% YoY
|
1.12%
+15.6% YoY
|
84% |
| Net Interest Margin ? |
4.37%
+4.3% YoY
+0.9% QoQ
|
+0.52% |
3.85%
+6.6% YoY
|
4.00%
+8.5% YoY
|
3.75%
+7.1% YoY
|
75% |
| Efficiency Ratio ? |
44.59%
-6.6% YoY
+1.1% QoQ
|
-23.14% |
67.73%
-4.8% YoY
|
63.04%
-5.8% YoY
|
65.09%
-5.1% YoY
|
Top 5% in tier |
| Delinquency Rate ? |
0.01%
-78.9% YoY
-8.6% QoQ
|
-0.63% |
0.64%
+24.4% YoY
|
0.91%
+44.6% YoY
|
0.66%
+20.3% YoY
|
82% |
| Loan-to-Deposit Ratio ? |
60.58%
+7.1% YoY
-0.3% QoQ
|
-13.95% |
74.53%
+0.5% YoY
|
80.90%
+1.0% YoY
|
78.04%
+0.7% YoY
|
75% |
| Non-Interest-Bearing Deposit Share ? |
22.35%
-4.7% YoY
-8.5% QoQ
|
-0.04% |
22.39%
-1.3% YoY
|
19.14%
-0.5% YoY
|
21.79%
-1.3% YoY
|
53% |
| Nonperforming Asset Ratio ? |
0.00%
-77.6% YoY
-9.0% QoQ
|
-0.45% |
0.45%
+25.1% YoY
|
0.66%
+38.2% YoY
|
0.48%
+20.8% YoY
|
82% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
7.07%
-13.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.51%
-0.1% YoY
+37.4% QoQ
|
-0.05% |
0.56%
+0.3% YoY
|
0.76%
-21.3% YoY
|
0.65%
+0.6% YoY
|
70% |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 5%
in Micro
Efficiency Ratio is in the top decile (lowest costs) of tier peers. Operating costs as a share of revenue are well below peers - operating leverage is a real advantage here.
Why this stands out
Current:
44.59%
(Tier avg: 67.73%, National avg: 65.09%)
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
95
95th pctile
Efficiency Ratio
Current: 44.59% · Tier avg: 67.73%
84
84th pctile
Return on Assets
Current: 1.76% · Tier avg: 1.08%
82
82th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
82
82th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.64%
75
75th pctile
Loan-to-Deposit Ratio
Current: 60.58% · Tier avg: 74.53%
75
75th pctile
Net Interest Margin
Current: 4.37% · Tier avg: 3.85%
71
71th pctile
Total Deposits
Current: $249.8M · Tier avg: $183.7M
70
70th pctile
Total Assets
Current: $289.7M · Tier avg: $217.5M
70
70th pctile
Non-Interest Income / Assets
Current: 0.51% · Tier avg: 0.56%
61
61th pctile
Total Loans
Current: $151.3M · Tier avg: $139.2M
53
53th pctile
Non-Interest-Bearing Deposit Share
Current: 22.35% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
Top Weaknesses
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
53
53th pctile
Non-Interest-Bearing Deposit Share
Current: 22.35% · Tier avg: 22.39%
61
61th pctile
Total Loans
Current: $151.3M · Tier avg: $139.2M
70
70th pctile
Non-Interest Income / Assets
Current: 0.51% · Tier avg: 0.56%
70
70th pctile
Total Assets
Current: $289.7M · Tier avg: $217.5M
71
71th pctile
Total Deposits
Current: $249.8M · Tier avg: $183.7M
75
75th pctile
Net Interest Margin
Current: 4.37% · Tier avg: 3.85%
75
75th pctile
Loan-to-Deposit Ratio
Current: 60.58% · Tier avg: 74.53%
82
82th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.64%
82
82th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
84
84th pctile
Return on Assets
Current: 1.76% · Tier avg: 1.08%
95
95th pctile
Efficiency Ratio
Current: 44.59% · Tier avg: 67.73%