The Peoples Bank: how it compares with its peers
Against 60 KS banks with half to twice its assets, The Peoples Bank's strongest measure in Q2 2026 is return on assets (3.00% vs. a 1.53% peer median). Its weakest relative measure is net interest margin (3.83% vs. 4.03%).
| Measure | The Peoples Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 3.00% | 1.53% | Top third Ahead of 98% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.83% | 4.03% | Middle third Ahead of 38% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 43.49% | 56.98% | Top third Ahead of 92% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.0M | $6.6M | Middle third Ahead of 60% of peers |
| Loans to deposits Net loans and leases over total deposits. | 53.94% | 78.17% | Context |
What it means for lending operations
Its efficiency ratio of 43.49% is better than the 56.98% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Labette Bank Altamont, KS · $544M
- Bank of the Flint Hills Wamego, KS · $545M
- First State Bank and Trust Tonganoxie, KS · $515M
- Silver Lake Bank Topeka, KS · $548M
- Citizens Bank of Kansas Kingman, KS · $548M
- Great American Bank Lawrence, KS · $513M
Questions about The Peoples Bank
How big is The Peoples Bank?
The Peoples Bank, established in 1887, is headquartered in Pratt, KS. It reported $531M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is The Peoples Bank's return on assets?
3.00% annualized in Q2 2026, against a 1.53% median for 60 KS banks with half to twice its assets, ahead of 98% of them.
What is The Peoples Bank's efficiency ratio?
43.49% in Q2 2026: it spent about 43 cents in noninterest expense for each dollar of revenue. The peer median is 56.98%, and lower is better.
Is The Peoples Bank growing its loans?
Net loans grew 4.1% over the year to Q2 2026, while deposits grew 0.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KS banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kansas bank ranked.