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: 3.54 percentage points higher than in Q1 2026, at 143.08%. Peoples Bank ranks 16th of 78 Arkansas banks on return on assets, in the upper half at 1.85% (Q2 2026). Peoples Bank reported 1.85% on return on assets for Q2 2026, 0.59 points above the 1.25% 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 | 13.33% |
| Equity capital to assets | 12.45% |
| Tangible equity to tangible assets | 12.45% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.26% |
| Non-performing assets ratio | 0.67% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 5.03% |
| Allowance for credit losses to loans | 1.80% |
| Reserve coverage of non-performing loans | 143.08% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.85% |
| Return on equity | 14.77% |
| Net interest margin | 4.29% |
| Efficiency ratio | 41.64% |
| Yield on earning assets | 5.98% |
| Cost of funds | 1.88% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 61.85% |
| Core deposits to total deposits | 87.75% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.73% |
| Securities to assets | 34.59% |
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 | 15.28% | 1.58% | 4.03% | 0.04% | 0.03% |
| Q4 2023 | 14.73% | 1.43% | 4.14% | 0.03% | -0.06% |
| Q1 2024 | 14.87% | 1.68% | 4.15% | 0.03% | 0.01% |
| Q2 2024 | 14.47% | 1.67% | 4.09% | 0.04% | 0.02% |
| Q3 2024 | 14.20% | 1.79% | 4.21% | 0.04% | 0.02% |
| Q4 2024 | 13.54% | 1.54% | 4.09% | 0.03% | 0.02% |
| Q1 2025 | 13.68% | 1.75% | 4.15% | 0.04% | 0.01% |
| Q2 2025 | 13.48% | 1.82% | 4.23% | 0.04% | 0.04% |
| Q3 2025 | 13.76% | 1.85% | 4.49% | 0.01% | 0.08% |
| Q4 2025 | 13.41% | 1.61% | 4.40% | 1.35% | 0.01% |
| Q1 2026 | 13.39% | 1.79% | 4.21% | 1.32% | -0.00% |
| Q2 2026 | 13.33% | 1.85% | 4.29% | 1.26% | -0.00% |
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 57058) · FFIEC NIC profile (RSSD 2939391)