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 33.62 percentage points in Q2 2026, from 79.66% to 113.28%. It was the largest change from Q1 2026 among the key lines here. Among 102 Louisiana banks, Peoples Bank sits 6th from the top on return on assets, 2.12% as of Q2 2026. Peoples Bank's return on assets of 2.12% is well above the 1.00% median for banks in the < $100M asset tier, a gap of 1.12 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.75% |
| Tier 1 risk-based capital ratio | 15.75% |
| Total risk-based capital ratio | 17.00% |
| Tier 1 leverage ratio | 11.66% |
| Equity capital to assets | 15.30% |
| Tangible equity to tangible assets | 11.68% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.32% |
| Non-performing assets ratio | 1.15% |
| Net charge-off ratio | -0.58% |
| Texas ratio | 9.29% |
| Allowance for credit losses to loans | 1.49% |
| Reserve coverage of non-performing loans | 113.28% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.12% |
| Return on equity | 13.99% |
| Net interest margin | 5.53% |
| Efficiency ratio | 53.10% |
| Yield on earning assets | 8.40% |
| Cost of funds | 3.13% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.42% |
| Core deposits to total deposits | 81.52% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.03% |
| Securities to assets | 2.05% |
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 | 18.71% | 18.71% | 19.94% | 14.02% | 0.31% |
| Q4 2023 | 14.30% | 14.30% | 15.53% | 10.80% | -2.35% |
| Q1 2024 | 11.38% | 11.38% | 12.55% | 9.13% | -4.75% |
| Q2 2024 | 12.24% | 12.24% | 13.48% | 9.24% | 1.06% |
| Q3 2024 | 12.73% | 12.73% | 13.98% | 9.47% | 0.51% |
| Q4 2024 | 12.00% | 12.00% | 13.25% | 9.18% | -0.69% |
| Q1 2025 | 12.31% | 12.31% | 13.57% | 9.29% | 0.99% |
| Q2 2025 | 13.06% | 13.06% | 14.32% | 9.63% | 1.22% |
| Q3 2025 | 15.01% | 15.01% | 16.26% | 10.85% | 4.13% |
| Q4 2025 | 14.74% | 14.74% | 15.99% | 10.55% | -1.64% |
| Q1 2026 | 15.59% | 15.59% | 16.84% | 11.13% | 1.37% |
| Q2 2026 | 15.75% | 15.75% | 17.00% | 11.66% | 2.12% |
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 9328) · FFIEC NIC profile (RSSD 923257)