BlastPoint's Banking Scorecard
Peoples Bank
Community
Specialty: Commercial
NC
FDIC cert 5956
Newton, NC
1484
banks in Community tier nationally
14 in NC
View Community leaderboard (NC) →
Peoples Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 15% in Community
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 (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.7B
+3.0% YoY
-2.1% QoQ
|
+$309.9M |
$1.4B
+2.0% YoY
|
$91.2B
+2.2% YoY
|
$5.9B
+6.5% YoY
|
75% |
| Total Loans ? |
$1.2B
+5.8% YoY
+1.8% QoQ
|
+$219.9M |
$975.5M
+2.4% YoY
|
$44.3B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
74% |
| Total Deposits ? |
$1.5B
+1.6% YoY
-2.8% QoQ
|
+$346.1M |
$1.2B
+1.7% YoY
|
$71.7B
+2.4% YoY
|
$4.7B
+6.3% YoY
|
76% |
| Return on Assets ? |
1.24%
+16.0% YoY
+11.6% QoQ
|
+0.08% |
1.16%
+17.2% YoY
|
0.79%
+31.0% YoY
|
1.12%
+15.6% YoY
|
59% |
| Net Interest Margin ? |
3.76%
+5.5% YoY
+1.2% QoQ
|
+0.10% |
3.66%
+9.1% YoY
|
3.33%
+2.7% YoY
|
3.75%
+7.1% YoY
|
58% |
| Efficiency Ratio ? |
68.71%
-5.8% YoY
-3.5% QoQ
|
+6.08% |
62.63%
-5.3% YoY
|
72.56%
-8.8% YoY
|
65.09%
-5.1% YoY
|
30% |
| Delinquency Rate ? |
0.35%
-11.1% YoY
-19.7% QoQ
|
-0.28% |
0.63%
+18.3% YoY
|
0.49%
+30.0% YoY
|
0.66%
+20.3% YoY
|
57% |
| Loan-to-Deposit Ratio ? |
79.13%
+4.1% YoY
+4.7% QoQ
|
-3.93% |
83.06%
+0.3% YoY
|
83.09%
+1.2% YoY
|
78.04%
+0.7% YoY
|
64% |
| Non-Interest-Bearing Deposit Share ? |
27.39%
-25.8% YoY
-1.4% QoQ
|
+6.35% |
21.05%
-0.9% YoY
|
18.05%
-3.4% YoY
|
21.79%
-1.3% YoY
|
77% |
| Nonperforming Asset Ratio ? |
0.25%
-15.7% YoY
-16.6% QoQ
|
-0.25% |
0.50%
+20.3% YoY
|
0.34%
+25.8% YoY
|
0.48%
+20.8% YoY
|
60% |
| Tier 1 Capital Ratio ? |
14.83%
+3.3% YoY
+0.9% QoQ
|
+4.59% |
10.24%
-0.6% YoY
|
11.31%
+19.0% YoY
|
9.75%
-1.9% YoY
|
75% |
| Non-Interest Income / Assets ? |
1.83%
+8.8% YoY
+48.5% QoQ
|
+1.09% |
0.74%
-1.3% YoY
|
0.90%
+0.1% YoY
|
0.65%
+0.6% YoY
|
Top 5% in tier |
Signature Analysis
Strengths (1)
Revenue Diversifier
growth
#58 of 371 · Top 15% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.83%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.24%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
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
Non-Interest Income / Assets
Current: 1.83% · Tier avg: 0.74%
77
77th pctile
Non-Interest-Bearing Deposit Share
Current: 27.39% · Tier avg: 21.05%
76
76th pctile
Total Deposits
Current: $1.5B · Tier avg: $1.2B
75
75th pctile
Tier 1 Capital Ratio
Current: 14.83% · Tier avg: 10.24%
75
75th pctile
Total Assets
Current: $1.7B · Tier avg: $1.4B
74
74th pctile
Total Loans
Current: $1.2B · Tier avg: $975.5M
64
64th pctile
Loan-to-Deposit Ratio
Current: 79.13% · Tier avg: 83.06%
60
60th pctile
Nonperforming Asset Ratio
Current: 0.25% · Tier avg: 0.50%
59
59th pctile
Return on Assets
Current: 1.24% · Tier avg: 1.16%
58
58th pctile
Net Interest Margin
Current: 3.76% · Tier avg: 3.66%
57
57th pctile
Delinquency Rate
Current: 0.35% · Tier avg: 0.63%
30
30th pctile
Efficiency Ratio
Current: 68.71% · Tier avg: 62.63%
Top Weaknesses
30
30th pctile
Efficiency Ratio
Current: 68.71% · Tier avg: 62.63%
57
57th pctile
Delinquency Rate
Current: 0.35% · Tier avg: 0.63%
58
58th pctile
Net Interest Margin
Current: 3.76% · Tier avg: 3.66%
59
59th pctile
Return on Assets
Current: 1.24% · Tier avg: 1.16%
60
60th pctile
Nonperforming Asset Ratio
Current: 0.25% · Tier avg: 0.50%
64
64th pctile
Loan-to-Deposit Ratio
Current: 79.13% · Tier avg: 83.06%
74
74th pctile
Total Loans
Current: $1.2B · Tier avg: $975.5M
75
75th pctile
Total Assets
Current: $1.7B · Tier avg: $1.4B
75
75th pctile
Tier 1 Capital Ratio
Current: 14.83% · Tier avg: 10.24%
76
76th pctile
Total Deposits
Current: $1.5B · Tier avg: $1.2B
77
77th pctile
Non-Interest-Bearing Deposit Share
Current: 27.39% · Tier avg: 21.05%
95
95th pctile
Non-Interest Income / Assets
Current: 1.83% · Tier avg: 0.74%