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 climbed 1.29 percentage points in Q2 2026, from 29.85% to 31.14%. It was the largest change from Q1 2026 among the key lines here. Peoples Bank ranks 85th of 121 Georgia banks on return on assets, in the lower half at 1.24% (Q2 2026). At 1.24%, Peoples Bank's return on assets is close to the 1.25% median for banks in the $100M-1B asset tier (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 22.12% |
| Tier 1 risk-based capital ratio | 22.12% |
| Total risk-based capital ratio | 23.38% |
| Tier 1 leverage ratio | 11.18% |
| Equity capital to assets | 10.89% |
| Tangible equity to tangible assets | 10.89% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 5.12% |
| Non-performing assets ratio | 3.06% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 25.84% |
| Allowance for credit losses to loans | 1.60% |
| Reserve coverage of non-performing loans | 31.14% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.24% |
| Return on equity | 11.42% |
| Net interest margin | 4.06% |
| Efficiency ratio | 59.40% |
| Yield on earning assets | 5.60% |
| Cost of funds | 1.71% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 67.49% |
| Core deposits to total deposits | 88.68% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.51% |
| Securities to assets | 8.63% |
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 | 21.85% | 21.85% | 23.12% | 10.67% | 1.68% |
| Q4 2023 | 21.17% | 21.17% | 22.43% | 10.74% | 1.79% |
| Q1 2024 | 22.22% | 22.22% | 23.48% | 11.10% | 1.55% |
| Q2 2024 | 23.00% | 23.00% | 24.26% | 11.09% | 1.50% |
| Q3 2024 | 22.15% | 22.15% | 23.41% | 11.52% | 1.32% |
| Q4 2024 | 21.42% | 21.42% | 22.68% | 10.96% | 1.30% |
| Q1 2025 | 23.06% | 23.06% | 24.32% | 10.92% | 1.38% |
| Q2 2025 | 22.92% | 22.92% | 24.17% | 11.01% | 1.33% |
| Q3 2025 | 22.24% | 22.24% | 23.49% | 10.15% | -0.20% |
| Q4 2025 | 24.24% | 24.24% | 25.50% | 10.45% | 1.77% |
| Q1 2026 | 21.33% | 21.33% | 22.59% | 10.82% | 1.26% |
| Q2 2026 | 22.12% | 22.12% | 23.38% | 11.18% | 1.24% |
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 15216) · FFIEC NIC profile (RSSD 715032)