BlastPoint's Banking Scorecard
Peoples Exchange Bank
Micro
Specialty: Commercial
AL
FDIC cert 70
Designations: ✓ Community bank
Monroeville, AL
2498
banks in Micro tier nationally
65 in AL
View Micro leaderboard (AL) →
Peoples Exchange Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 35.15% above 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 (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$97.1M
+3.4% YoY
+1.5% QoQ
|
-$120.4M |
$217.5M
+2.3% YoY
|
$2.4B
+1.3% YoY
|
$5.9B
+6.5% YoY
|
22% |
| Total Loans ? |
$52.7M
-3.9% YoY
-2.3% QoQ
|
-$86.5M |
$139.2M
+2.8% YoY
|
$1.5B
-0.1% YoY
|
$3.1B
+8.5% YoY
|
21% |
| Total Deposits ? |
$85.4M
+2.1% YoY
+1.9% QoQ
|
-$98.3M |
$183.7M
+1.8% YoY
|
$2.0B
+1.3% YoY
|
$4.7B
+6.3% YoY
|
23% |
| Return on Assets ? |
0.74%
+83.8% YoY
+21.2% QoQ
|
-0.34% |
1.08%
+14.7% YoY
|
1.11%
+4.4% YoY
|
1.12%
+15.6% YoY
|
31% |
| Net Interest Margin ? |
4.09%
+9.3% YoY
+0.7% QoQ
|
+0.24% |
3.85%
+6.6% YoY
|
3.94%
+3.2% YoY
|
3.75%
+7.1% YoY
|
62% |
| Efficiency Ratio ? |
77.80%
-7.6% YoY
-0.6% QoQ
|
+10.07% |
67.73%
-4.8% YoY
|
64.78%
-3.4% YoY
|
65.09%
-5.1% YoY
|
24% |
| Delinquency Rate ? |
1.56%
-48.1% YoY
-34.5% QoQ
|
+0.92% |
0.64%
+24.4% YoY
|
0.66%
-12.1% YoY
|
0.66%
+20.3% YoY
|
18% |
| Loan-to-Deposit Ratio ? |
61.67%
-5.8% YoY
-4.2% QoQ
|
-12.86% |
74.53%
+0.5% YoY
|
68.23%
+2.7% YoY
|
78.04%
+0.7% YoY
|
26% |
| Non-Interest-Bearing Deposit Share ? |
57.54%
+106.3% YoY
+90.7% QoQ
|
+35.15% |
22.39%
-1.3% YoY
|
24.36%
+3.3% YoY
|
21.79%
-1.3% YoY
|
Top 1% in tier |
| Nonperforming Asset Ratio ? |
1.30%
-32.7% YoY
-28.0% QoQ
|
+0.85% |
0.45%
+25.1% YoY
|
0.53%
+14.0% YoY
|
0.48%
+20.8% YoY
|
Bottom 14% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
6.46%
-12.3% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.33%
-18.6% YoY
+29.6% QoQ
|
-0.23% |
0.56%
+0.3% YoY
|
0.77%
+11.5% YoY
|
0.65%
+0.6% YoY
|
46% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 1%
in Micro
Why this stands out
Current:
57.54%
(Tier avg: 22.39%, National avg: 21.79%)
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
99
99th pctile
Non-Interest-Bearing Deposit Share
Current: 57.54% · Tier avg: 22.39%
62
62th pctile
Net Interest Margin
Current: 4.09% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
46
46th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.56%
31
31th pctile
Return on Assets
Current: 0.74% · Tier avg: 1.08%
26
26th pctile
Loan-to-Deposit Ratio
Current: 61.67% · Tier avg: 74.53%
24
24th pctile
Efficiency Ratio
Current: 77.80% · Tier avg: 67.73%
23
23th pctile
Total Deposits
Current: $85.4M · Tier avg: $183.7M
22
22th pctile
Total Assets
Current: $97.1M · Tier avg: $217.5M
21
21th pctile
Total Loans
Current: $52.7M · Tier avg: $139.2M
18
18th pctile
Delinquency Rate
Current: 1.56% · Tier avg: 0.64%
14
14th pctile
Nonperforming Asset Ratio
Current: 1.30% · Tier avg: 0.45%
Top Weaknesses
14
14th pctile
Nonperforming Asset Ratio
Current: 1.30% · Tier avg: 0.45%
18
18th pctile
Delinquency Rate
Current: 1.56% · Tier avg: 0.64%
21
21th pctile
Total Loans
Current: $52.7M · Tier avg: $139.2M
22
22th pctile
Total Assets
Current: $97.1M · Tier avg: $217.5M
23
23th pctile
Total Deposits
Current: $85.4M · Tier avg: $183.7M
24
24th pctile
Efficiency Ratio
Current: 77.80% · Tier avg: 67.73%
26
26th pctile
Loan-to-Deposit Ratio
Current: 61.67% · Tier avg: 74.53%
31
31th pctile
Return on Assets
Current: 0.74% · Tier avg: 1.08%
46
46th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
62
62th pctile
Net Interest Margin
Current: 4.09% · Tier avg: 3.85%
99
99th pctile
Non-Interest-Bearing Deposit Share
Current: 57.54% · Tier avg: 22.39%