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: 14.01 percentage points higher than in Q1 2026, at 202.06%. Peoples Bank ranks 58th of 156 Ohio banks on return on assets, in the upper half at 1.27% (Q2 2026). At 1.27%, Peoples Bank's return on assets is close to the 1.28% median for banks in the $1B-10B asset tier (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.30% |
| Tier 1 risk-based capital ratio | 12.30% |
| Total risk-based capital ratio | 13.40% |
| Tier 1 leverage ratio | 9.70% |
| Equity capital to assets | 12.71% |
| Tangible equity to tangible assets | 9.00% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.57% |
| Non-performing assets ratio | 0.41% |
| Net charge-off ratio | 0.31% |
| Texas ratio | 5.18% |
| Allowance for credit losses to loans | 1.14% |
| Reserve coverage of non-performing loans | 202.06% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.27% |
| Return on equity | 10.24% |
| Net interest margin | 4.06% |
| Efficiency ratio | 55.92% |
| Yield on earning assets | 5.54% |
| Cost of funds | 1.65% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.89% |
| Core deposits to total deposits | 91.55% |
| Brokered deposits to total deposits | 3.01% |
| Deposits to assets | 78.78% |
| Securities to assets | 18.34% |
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 | 11.76% | 11.76% | 12.59% | 8.93% | 1.55% |
| Q4 2023 | 11.85% | 11.85% | 12.65% | 9.12% | 1.60% |
| Q1 2024 | 11.94% | 11.94% | 12.85% | 9.09% | 1.48% |
| Q2 2024 | 11.89% | 11.89% | 12.81% | 9.08% | 1.37% |
| Q3 2024 | 11.94% | 11.94% | 12.84% | 9.35% | 1.51% |
| Q4 2024 | 12.07% | 12.07% | 12.99% | 9.48% | 1.30% |
| Q1 2025 | 12.21% | 12.21% | 13.14% | 9.53% | 1.21% |
| Q2 2025 | 12.00% | 12.00% | 13.05% | 9.53% | 1.03% |
| Q3 2025 | 12.13% | 12.13% | 13.18% | 9.43% | 1.33% |
| Q4 2025 | 11.98% | 11.98% | 13.03% | 9.33% | 1.48% |
| Q1 2026 | 12.12% | 12.12% | 13.21% | 9.54% | 1.32% |
| Q2 2026 | 12.30% | 12.30% | 13.40% | 9.70% | 1.27% |
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 6544) · FFIEC NIC profile (RSSD 577128)