First Peoples Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 327.09 percentage points lower than in Q1 2026, at 708.72%. First Peoples Bank ranks 92nd of 121 Georgia banks on return on assets, in the lower half at 1.03% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. First Peoples Bank sits 0.22 points lower, at 1.03% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.48% |
| Tier 1 risk-based capital ratio | 14.48% |
| Total risk-based capital ratio | 15.73% |
| Tier 1 leverage ratio | 12.84% |
| Equity capital to assets | 12.06% |
| Tangible equity to tangible assets | 12.06% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.21% |
| Non-performing assets ratio | 0.16% |
| Net charge-off ratio | 0.11% |
| Texas ratio | 1.24% |
| Allowance for credit losses to loans | 1.46% |
| Reserve coverage of non-performing loans | 708.72% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.03% |
| Return on equity | 8.45% |
| Net interest margin | 5.06% |
| Efficiency ratio | 66.89% |
| Yield on earning assets | 6.71% |
| Cost of funds | 1.79% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.99% |
| Core deposits to total deposits | 93.94% |
| Brokered deposits to total deposits | 1.32% |
| Deposits to assets | 84.40% |
| Securities to assets | 7.28% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.56% | 12.56% | 13.69% | 10.29% | 1.42% |
| Q4 2023 | 15.14% | 15.14% | 16.25% | 12.29% | 1.23% |
| Q1 2024 | 13.92% | 13.92% | 15.04% | 11.14% | 1.14% |
| Q2 2024 | 13.48% | 13.48% | 14.59% | 11.24% | 1.02% |
| Q3 2024 | 13.43% | 13.43% | 14.61% | 11.28% | 0.97% |
| Q4 2024 | 13.06% | 13.06% | 14.29% | 10.90% | 1.18% |
| Q1 2025 | 13.42% | 13.42% | 14.67% | 10.59% | 1.32% |
| Q2 2025 | 13.69% | 13.69% | 14.94% | 11.10% | 1.36% |
| Q3 2025 | 13.70% | 13.70% | 14.95% | 11.05% | 1.16% |
| Q4 2025 | 16.28% | 16.28% | 17.53% | 13.52% | 1.24% |
| Q1 2026 | 15.27% | 15.27% | 16.52% | 13.05% | 1.09% |
| Q2 2026 | 14.48% | 14.48% | 15.73% | 12.84% | 1.03% |
First Peoples Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Peoples Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Peoples Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33010) · FFIEC NIC profile (RSSD 1459799)