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 Loan-to-deposit ratio: 8.78 percentage points lower than in Q1 2026, at 88.29%. Peoples Bank has the highest return on assets of the 57 banks headquartered in Mississippi, 5.14% as of Q2 2026. Peoples Bank's return on assets of 5.14% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 3.89 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.25% |
| Tier 1 risk-based capital ratio | 15.25% |
| Total risk-based capital ratio | 16.50% |
| Tier 1 leverage ratio | 11.72% |
| Equity capital to assets | 11.19% |
| Tangible equity to tangible assets | 11.15% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 4.29% |
| Non-performing assets ratio | 3.40% |
| Net charge-off ratio | 0.25% |
| Texas ratio | 27.66% |
| Allowance for credit losses to loans | 1.51% |
| Reserve coverage of non-performing loans | 35.27% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 5.14% |
| Return on equity | 47.07% |
| Net interest margin | 6.87% |
| Efficiency ratio | 50.91% |
| Yield on earning assets | 8.67% |
| Cost of funds | 1.80% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.29% |
| Core deposits to total deposits | 87.77% |
| Brokered deposits to total deposits | 3.43% |
| Deposits to assets | 88.39% |
| Securities to assets | 9.12% |
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 | 17.39% | 17.39% | 18.64% | 12.94% | 8.83% |
| Q4 2023 | 18.08% | 18.08% | 19.34% | 13.90% | 6.63% |
| Q1 2024 | 14.58% | 14.58% | 15.84% | 11.15% | 3.43% |
| Q2 2024 | 16.26% | 16.26% | 17.52% | 11.40% | 4.85% |
| Q3 2024 | 15.59% | 15.59% | 16.85% | 11.38% | 3.59% |
| Q4 2024 | 15.10% | 15.10% | 16.36% | 11.53% | 2.90% |
| Q1 2025 | 16.60% | 16.60% | 17.86% | 12.71% | 2.51% |
| Q2 2025 | 16.53% | 16.53% | 17.79% | 12.84% | 2.77% |
| Q3 2025 | 16.18% | 16.18% | 17.44% | 12.24% | 3.48% |
| Q4 2025 | 15.82% | 15.82% | 17.07% | 12.18% | 3.55% |
| Q1 2026 | 14.46% | 14.46% | 15.72% | 10.91% | 2.85% |
| Q2 2026 | 15.25% | 15.25% | 16.50% | 11.72% | 5.14% |
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 9366) · FFIEC NIC profile (RSSD 70638)