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.
Reserve coverage of non-performing loans dropped 583.14 percentage points in Q2 2026, from 919.85% to 336.71%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Peoples Bank is 91st of 345 on return on assets, 1.82% as of Q2 2026. Peoples Bank reported 1.82% on return on assets for Q2 2026, 0.57 points above the 1.26% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.56% |
| Equity capital to assets | 8.26% |
| Tangible equity to tangible assets | 8.26% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.25% |
| Non-performing assets ratio | 0.20% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 2.21% |
| Allowance for credit losses to loans | 0.83% |
| Reserve coverage of non-performing loans | 336.71% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.82% |
| Return on equity | 22.77% |
| Net interest margin | 3.95% |
| Efficiency ratio | 58.19% |
| Yield on earning assets | 5.54% |
| Cost of funds | 1.73% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.88% |
| Core deposits to total deposits | 76.51% |
| Brokered deposits to total deposits | 17.68% |
| Deposits to assets | 90.82% |
| Securities to assets | 10.54% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.16% | 1.14% | 2.85% | 0.23% | -0.04% |
| Q4 2023 | 9.38% | 1.70% | 3.02% | 0.23% | -0.03% |
| Q1 2024 | 9.61% | 1.06% | 3.17% | 0.46% | 0.00% |
| Q2 2024 | 9.75% | 1.24% | 3.27% | 0.23% | 0.01% |
| Q3 2024 | 9.87% | 1.31% | 3.33% | 0.24% | 0.00% |
| Q4 2024 | 9.78% | 1.45% | 3.49% | 0.23% | 0.02% |
| Q1 2025 | 9.91% | 1.47% | 3.62% | 0.22% | 0.00% |
| Q2 2025 | 9.87% | 1.70% | 3.85% | 0.33% | 0.02% |
| Q3 2025 | 9.99% | 1.73% | 3.85% | 0.26% | 0.04% |
| Q4 2025 | 9.71% | 1.85% | 3.99% | 0.29% | -0.02% |
| Q1 2026 | 9.80% | 1.77% | 3.92% | 0.09% | 0.05% |
| Q2 2026 | 9.56% | 1.82% | 3.95% | 0.25% | 0.01% |
Peoples Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock 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 Peoples Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27398) · FFIEC NIC profile (RSSD 1293078)