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 7.39 percentage points in Q2 2026, from 183.09% to 175.70%. It was the largest change from Q1 2026 among the key lines here. Within North Carolina, Peoples Bank is 16th of 38 on return on assets, 1.25% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets; Peoples Bank reported 1.25% for Q2 2026, nearly level with it.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.55% |
| Tier 1 risk-based capital ratio | 14.55% |
| Total risk-based capital ratio | 15.42% |
| Tier 1 leverage ratio | 11.50% |
| Equity capital to assets | 9.89% |
| Tangible equity to tangible assets | 9.89% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.47% |
| Non-performing assets ratio | 0.34% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 3.27% |
| Allowance for credit losses to loans | 0.83% |
| Reserve coverage of non-performing loans | 175.70% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.25% |
| Return on equity | 12.87% |
| Net interest margin | 3.85% |
| Efficiency ratio | 67.99% |
| Yield on earning assets | 5.12% |
| Cost of funds | 1.21% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.66% |
| Core deposits to total deposits | 91.62% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.92% |
| Securities to assets | 20.66% |
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 | 13.55% | 13.55% | 14.53% | 10.36% | 1.08% |
| Q4 2023 | 13.83% | 13.83% | 14.85% | 10.35% | 0.90% |
| Q1 2024 | 13.73% | 13.73% | 14.72% | 10.23% | 1.01% |
| Q2 2024 | 14.04% | 14.04% | 14.95% | 10.43% | 1.23% |
| Q3 2024 | 14.23% | 14.23% | 15.16% | 10.61% | 1.01% |
| Q4 2024 | 14.35% | 14.35% | 15.22% | 10.71% | 0.91% |
| Q1 2025 | 14.45% | 14.45% | 15.34% | 10.90% | 1.10% |
| Q2 2025 | 14.79% | 14.79% | 15.65% | 10.95% | 1.27% |
| Q3 2025 | 14.70% | 14.70% | 15.58% | 10.88% | 0.91% |
| Q4 2025 | 14.83% | 14.83% | 15.70% | 11.13% | 1.56% |
| Q1 2026 | 14.62% | 14.62% | 15.50% | 11.39% | 1.07% |
| Q2 2026 | 14.55% | 14.55% | 15.42% | 11.50% | 1.25% |
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 5956) · FFIEC NIC profile (RSSD 220527)