Peoples Exchange Bank: how it compares with its peers
Against 25 AL banks with half to twice its assets, Peoples Exchange Bank's strongest measure in Q2 2026 is efficiency ratio (69.22% vs. a 72.18% peer median). Its weakest relative measure is return on assets (0.99% vs. 1.05%).
| Measure | Peoples Exchange Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.99% | 1.05% | Middle third Ahead of 48% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.00% | 3.74% | Middle third Ahead of 64% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 69.22% | 72.18% | Top third Ahead of 68% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.7M | $4.9M | Middle third Ahead of 48% of peers |
| Loans to deposits Net loans and leases over total deposits. | 60.46% | 58.91% | Context |
What it means for lending operations
Its efficiency ratio of 69.22% is better than the 72.18% 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
- Bank of Walker County Jasper, AL · $99M
- The Farmers & Merchants Bank Waterloo, AL · $98M
- Bank47 Huntsville, AL · $97M
- Nova Bank Huntsville, AL · $91M
- Local Bank Tuscaloosa, AL · $111M
- The Commercial Bank Of Ozark Ozark, AL · $115M
Questions about Peoples Exchange Bank
How big is Peoples Exchange Bank?
Peoples Exchange Bank, established in 1907, is headquartered in Monroeville, AL. It reported $99M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Peoples Exchange Bank's return on assets?
0.99% annualized in Q2 2026, against a 1.05% median for 25 AL banks with half to twice its assets, ahead of 48% of them.
What is Peoples Exchange Bank's efficiency ratio?
69.22% in Q2 2026: it spent about 69 cents in noninterest expense for each dollar of revenue. The peer median is 72.18%, and lower is better.
Is Peoples Exchange Bank growing its loans?
Net loans shrank 4.7% over the year to Q2 2026, while deposits grew 2.5%.
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 AL 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 Alabama bank ranked.