Peoples Bank Co.: 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 490.75 percentage points in Q2 2026, from 417.14% to 907.89%. It was the largest change from Q1 2026 among the key lines here. Within Missouri, Peoples Bank Co. is 170th of 192 on return on assets, 0.78% as of Q2 2026, below the middle of the field. Peoples Bank Co. reported 0.78% on return on assets for Q2 2026, 0.47 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 8.36% |
| Equity capital to assets | 8.32% |
| Tangible equity to tangible assets | 8.32% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.12% |
| Non-performing assets ratio | 0.08% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 0.86% |
| Allowance for credit losses to loans | 1.05% |
| Reserve coverage of non-performing loans | 907.89% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.78% |
| Return on equity | 9.76% |
| Net interest margin | 3.46% |
| Efficiency ratio | 70.44% |
| Yield on earning assets | 5.90% |
| Cost of funds | 2.74% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.45% |
| Core deposits to total deposits | 86.66% |
| Brokered deposits to total deposits | 8.06% |
| Deposits to assets | 83.96% |
| Securities to assets | 18.73% |
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 | 13.40% | 13.40% | 14.58% | 10.83% | 1.36% |
| Q4 2023 | 12.42% | 12.42% | 13.53% | 9.74% | 1.75% |
| Q1 2024 | 12.27% | 12.27% | 13.38% | 9.46% | 0.85% |
| Q2 2024 | 12.05% | 12.05% | 13.16% | 9.44% | 0.77% |
| Q3 2024 | 12.36% | 12.36% | 13.50% | 9.53% | 0.92% |
| Q4 2024 | 12.06% | 12.06% | 13.19% | 9.46% | 1.03% |
| Q1 2025 | 12.22% | 12.22% | 13.24% | 9.93% | 1.09% |
| Q2 2025 | 12.46% | 12.46% | 13.46% | 9.50% | 0.96% |
| Q3 2025 | 11.97% | 11.97% | 13.03% | 9.21% | 0.67% |
| Q4 2025 | 12.02% | 12.02% | 13.20% | 8.93% | 1.08% |
| Q1 2026 | 11.69% | 11.69% | 12.81% | 8.75% | 0.67% |
| Q2 2026 | — | — | — | 8.36% | 0.78% |
Peoples Bank Co. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples Bank Co., 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 Co. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12226) · FFIEC NIC profile (RSSD 941541)