Peoples Bank of Graceville: how it compares with its peers
Against 12 FL banks with half to twice its assets, Peoples Bank of Graceville's strongest measure in Q2 2026 is efficiency ratio (63.00% vs. a 71.83% peer median). Its weakest relative measure is net interest margin (2.50% vs. 3.73%).
| Measure | Peoples Bank of Graceville | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.02% | 0.87% | Top third Ahead of 67% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.50% | 3.73% | Bottom third Ahead of 0% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 63.00% | 71.83% | Top third Ahead of 75% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.9M | $5.9M | Top third Ahead of 75% of peers |
| Loans to deposits Net loans and leases over total deposits. | 39.74% | 69.63% | Context |
What it means for lending operations
Its efficiency ratio of 63.00% is better than the 71.83% 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
- Century Bank of Florida Tampa, FL · $101M
- First National Bank of Wauchula Wauchula, FL · $88M
- Bank of Pensacola Pensacola, FL · $147M
- PNB Community Bank Niceville, FL · $155M
- Bank of Belle Glade Belle Glade, FL · $160M
Questions about Peoples Bank of Graceville
How big is Peoples Bank of Graceville?
Peoples Bank of Graceville, established in 1974, is headquartered in Graceville, FL. It reported $116M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Peoples Bank of Graceville's return on assets?
1.02% annualized in Q2 2026, against a 0.87% median for 12 FL banks with half to twice its assets, ahead of 67% of them.
What is Peoples Bank of Graceville's efficiency ratio?
63.00% in Q2 2026: it spent about 63 cents in noninterest expense for each dollar of revenue. The peer median is 71.83%, and lower is better.
Is Peoples Bank of Graceville growing its loans?
Net loans grew 7.7% over the year to Q2 2026, while deposits grew 3.3%.
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 FL 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 Florida bank ranked.