The Peoples Bank: how it compares with its peers
Against 31 AR banks with half to twice its assets, The Peoples Bank's strongest measure in Q2 2026 is net interest margin (5.65% vs. a 4.14% peer median). Its weakest relative measure is assets per employee ($2.5M vs. $5.9M).
| Measure | The Peoples Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.69% | 1.21% | Top third Ahead of 74% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.65% | 4.14% | Top third Ahead of 97% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 70.89% | 63.42% | Bottom third Ahead of 29% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $2.5M | $5.9M | Bottom third Ahead of 0% of peers |
| Loans to deposits Net loans and leases over total deposits. | 109.18% | 80.91% | Context |
What it means for lending operations
Its efficiency ratio of 70.89% is above the 63.42% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Bank of Cave City Cave City, AR · $194M
- Bank of Delight Delight, AR · $201M
- Gateway Bank Rison, AR · $181M
- Producers Bank & Trust Mcgehee, AR · $213M
- RiverBank Pocahontas, AR · $174M
- Riverwind Bank Augusta, AR · $168M
Questions about The Peoples Bank
How big is The Peoples Bank?
The Peoples Bank, established in 1910, is headquartered in Magnolia, AR. It reported $196M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is The Peoples Bank's return on assets?
1.69% annualized in Q2 2026, against a 1.21% median for 31 AR banks with half to twice its assets, ahead of 74% of them.
What is The Peoples Bank's efficiency ratio?
70.89% in Q2 2026: it spent about 71 cents in noninterest expense for each dollar of revenue. The peer median is 63.42%, and lower is better.
Is The Peoples Bank growing its loans?
Net loans shrank 3.8% over the year to Q2 2026, while deposits shrank 2.0%.
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 AR 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 Arkansas bank ranked.