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: 43.25 percentage points lower than in Q1 2026, at 234.38%. Within Tennessee, Peoples Bank is 51st of 109 on return on assets, 1.18% as of Q2 2026, above the middle of the field. Peoples Bank reported 1.18% on return on assets for Q2 2026, 0.08 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.35% |
| Tier 1 risk-based capital ratio | 14.35% |
| Total risk-based capital ratio | 15.26% |
| Tier 1 leverage ratio | 12.72% |
| Equity capital to assets | 12.16% |
| Tangible equity to tangible assets | 12.16% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.39% |
| Non-performing assets ratio | 0.32% |
| Net charge-off ratio | 0.49% |
| Texas ratio | 2.45% |
| Allowance for credit losses to loans | 0.92% |
| Reserve coverage of non-performing loans | 234.38% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.18% |
| Return on equity | 9.56% |
| Net interest margin | 4.87% |
| Efficiency ratio | 59.27% |
| Yield on earning assets | 7.39% |
| Cost of funds | 2.41% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.71% |
| Core deposits to total deposits | 72.52% |
| Brokered deposits to total deposits | 4.29% |
| Deposits to assets | 84.51% |
| Securities to assets | 5.20% |
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 | 13.82% | 13.82% | 14.83% | 11.89% | 2.06% |
| Q4 2023 | 14.02% | 14.02% | 15.02% | 11.80% | 1.72% |
| Q1 2024 | 13.98% | 13.98% | 14.92% | 12.02% | 2.19% |
| Q2 2024 | 14.27% | 14.27% | 15.26% | 11.96% | 1.98% |
| Q3 2024 | 15.24% | 15.24% | 16.26% | 12.24% | 2.04% |
| Q4 2024 | 14.99% | 14.99% | 16.06% | 12.23% | 1.81% |
| Q1 2025 | 15.72% | 15.72% | 16.79% | 12.31% | 1.77% |
| Q2 2025 | 16.29% | 16.29% | 17.34% | 12.43% | 1.58% |
| Q3 2025 | 16.45% | 16.45% | 17.50% | 13.19% | 1.54% |
| Q4 2025 | 15.87% | 15.87% | 16.88% | 12.99% | 1.32% |
| Q1 2026 | 15.14% | 15.14% | 16.09% | 13.24% | 1.80% |
| Q2 2026 | 14.35% | 14.35% | 15.26% | 12.72% | 1.18% |
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 9489) · FFIEC NIC profile (RSSD 148238)