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 152.41 percentage points in Q2 2026, from 508.46% to 356.06%. It was the largest change from Q1 2026 among the key lines here. Within Washington, Peoples Bank is 12th of 29 on return on assets, 1.08% 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 sits 0.20 points lower, at 1.08% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.27% |
| Equity capital to assets | 13.33% |
| Tangible equity to tangible assets | 13.33% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.42% |
| Non-performing assets ratio | 0.37% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 2.56% |
| Allowance for credit losses to loans | 1.50% |
| Reserve coverage of non-performing loans | 356.06% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.08% |
| Return on equity | 8.22% |
| Net interest margin | 4.08% |
| Efficiency ratio | 72.12% |
| Yield on earning assets | 5.25% |
| Cost of funds | 1.32% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.02% |
| Core deposits to total deposits | 94.78% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.04% |
| Securities to assets | 4.14% |
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 | 11.74% | 0.91% | 3.79% | 0.30% | 0.01% |
| Q4 2023 | 12.06% | 1.02% | 3.69% | 0.27% | -0.00% |
| Q1 2024 | 12.26% | 0.58% | 3.62% | 0.22% | 0.03% |
| Q2 2024 | 12.38% | 0.61% | 3.58% | 0.21% | 0.00% |
| Q3 2024 | 12.36% | 0.88% | 3.73% | 0.13% | 0.00% |
| Q4 2024 | 12.48% | 1.39% | 3.80% | 0.18% | 0.03% |
| Q1 2025 | 12.28% | 0.82% | 3.78% | 0.26% | -0.01% |
| Q2 2025 | 12.59% | 0.90% | 3.92% | 0.33% | 0.04% |
| Q3 2025 | 12.70% | 1.15% | 4.26% | 0.24% | 0.03% |
| Q4 2025 | 12.78% | 1.14% | 4.06% | 0.29% | 0.01% |
| Q1 2026 | 12.56% | 0.83% | 3.83% | 0.30% | 0.00% |
| Q2 2026 | 13.27% | 1.08% | 4.08% | 0.42% | -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 6158) · FFIEC NIC profile (RSSD 455972)