0.82%
+75.8%y/y
Peer standing42nd percentile
FDIC
NETINC + ROAPE
Peoples Exchange Bank
Monroeville, AlabamaFDIC Cert #70
STATEEstablished 19071 branch
Holding company: PEOPLES EXC BANCSHARES INCRegulator: FDIC
FDIC
CERT + OFFDOMProfitability, margin & efficiency
Performance
Returns, spread economics, operating efficiency, and growth viewed against this bank's peers.
As of Q1 2026
Returns & margin
Annualized returns and the economics of earning assets and paid funding.
7.17%
+59.4%y/y
Peer standing47th percentile
FDIC
NETINC + ROE1.00%
+53.7%y/y
Peer standing44th percentile
FDIC
PTAXNETINC + ASSET3.86%
−1.9%y/y
Peer standing54th percentile
FDIC
NIM + NIMY5.56%
−2.3%y/y
Peer standing66th percentile
FDIC
INTINCY2.61%
+2.6%y/y
Peer standing25th percentile
FDIC
EINTEXP + DEPIDOMEfficiency & growth
Operating productivity and year-over-year balance-sheet momentum.
70.63%
−15.7%y/y
Peer standing52nd percentile
FDIC
NONIX + NIM + NONII + EEFFR2.56%
−23.8%y/y
Peer standing65th percentile
FDIC
NONIX + ASSET0.57%
−92.9%y/y
Percentile by value3rd percentileby value
FDIC
NONII + NIM+0.58%
−47.8%y/y
Percentile by value35th percentileby value
FDIC
ASSET−0.74%
−651.8%y/y
Percentile by value29th percentileby value
FDIC
DEP−4.06%
−145.6%y/y
Percentile by value20th percentileby value
FDIC
LNLSNETHow this bank compares
Switch cohorts or expand any row to inspect the full distribution.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.82%42nd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th −0.66%Median 0.97%90th 2.53%Observations 590
ROE
FDIC
NETINC + ROE7.17%47th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th −4.01%Median 7.76%90th 17.70%Observations 590
NIM
FDIC
NIM + NIMY3.86%54th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.60%Median 3.78%90th 5.00%Observations 591
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR70.63%52nd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 50.30%Median 71.56%90th 113.91%Observations 590
Deposits YoY
FDIC
DEP−0.74%29th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −6.03%Median +2.56%90th +13.29%Observations 547
Loans YoY
FDIC
LNLSNET−4.06%20th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −8.25%Median +2.70%90th +19.03%Observations 527
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.55%25th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.41%90th 3.46%Observations 530
Leverage
FDIC
RBC1AAJ12.86%48th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.02%Median 13.02%90th 57.11%Observations 591
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.61%25th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.09%Median 2.13%90th 3.32%Observations 546
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 0%Median 25%90th 129%Observations 281
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.82%32nd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.33%Median 1.08%90th 1.86%Observations 93
ROE
FDIC
NETINC + ROE7.17%23rd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 1.89%Median 10.62%90th 18.52%Observations 93
NIM
FDIC
NIM + NIMY3.86%55th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.07%Median 3.78%90th 4.94%Observations 93
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR70.63%34th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 48.88%Median 64.51%90th 85.35%Observations 93
Deposits YoY
FDIC
DEP−0.74%15th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.86%Median +3.54%90th +12.74%Observations 92
Loans YoY
FDIC
LNLSNET−4.06%11th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −4.14%Median +5.14%90th +17.34%Observations 92
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.55%17th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.02%Median 0.52%90th 2.83%Observations 93
Leverage
FDIC
RBC1AAJ12.86%65th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.15%Median 11.18%90th 18.53%Observations 93
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.61%33rd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.58%Median 2.35%90th 3.19%Observations 93
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 40%Median 160%90th 273%Observations 37
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.82%73rd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th −5.91%Median 0.51%90th 1.09%Observations 12
ROE
FDIC
NETINC + ROE7.17%91st percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th −37.83%Median 3.14%90th 7.02%Observations 12
NIM
FDIC
NIM + NIMY3.86%64th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.96%Median 3.70%90th 5.21%Observations 12
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR70.63%82nd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 59.17%Median 79.50%90th 273.88%Observations 12
Deposits YoY
FDIC
DEP−0.74%20th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.52%Median +0.39%90th +11.63%Observations 11
Loans YoY
FDIC
LNLSNET−4.06%40th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −10.88%Median −1.74%90th +67.94%Observations 11
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.55%27th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.71%90th 4.89%Observations 12
Leverage
FDIC
RBC1AAJ12.86%9th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 12.92%Median 16.01%90th 27.78%Observations 12
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.61%18th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.08%Median 2.37%90th 2.65%Observations 12
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.