Peoples Bank of Alabama: 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 dropped 30.36 percentage points in Q2 2026, from 236.69% to 206.33%. It was the largest change from Q1 2026 among the key lines here. Among 93 Alabama banks, Peoples Bank of Alabama sits 7th from the top on return on assets, 1.99% as of Q2 2026. Peoples Bank of Alabama's return on assets of 1.99% is well above the 1.28% median for banks in the $1B-10B asset tier, a gap of 0.71 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.73% |
| Tier 1 risk-based capital ratio | 15.73% |
| Total risk-based capital ratio | 16.98% |
| Tier 1 leverage ratio | 11.19% |
| Equity capital to assets | 10.09% |
| Tangible equity to tangible assets | 9.74% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.78% |
| Non-performing assets ratio | 0.53% |
| Net charge-off ratio | 0.11% |
| Texas ratio | 4.91% |
| Allowance for credit losses to loans | 1.62% |
| Reserve coverage of non-performing loans | 206.33% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.99% |
| Return on equity | 20.05% |
| Net interest margin | 4.53% |
| Efficiency ratio | 59.30% |
| Yield on earning assets | 5.76% |
| Cost of funds | 1.35% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 72.64% |
| Core deposits to total deposits | 93.52% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.19% |
| Securities to assets | 15.13% |
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 | 12.99% | 12.99% | 14.25% | 10.18% | 1.93% |
| Q4 2023 | 13.49% | 13.49% | 14.74% | 10.46% | 1.86% |
| Q1 2024 | 13.45% | 13.45% | 14.71% | 10.44% | 1.81% |
| Q2 2024 | 14.06% | 14.06% | 15.31% | 9.94% | 1.84% |
| Q3 2024 | 14.40% | 14.40% | 15.66% | 10.03% | 1.92% |
| Q4 2024 | 14.64% | 14.64% | 15.89% | 10.32% | 1.77% |
| Q1 2025 | 14.71% | 14.71% | 15.96% | 10.15% | 1.81% |
| Q2 2025 | 14.96% | 14.96% | 16.22% | 10.18% | 1.96% |
| Q3 2025 | 15.21% | 15.21% | 16.46% | 10.42% | 1.96% |
| Q4 2025 | 15.77% | 15.77% | 17.03% | 11.00% | 2.01% |
| Q1 2026 | 15.58% | 15.58% | 16.83% | 11.17% | 1.82% |
| Q2 2026 | 15.73% | 15.73% | 16.98% | 11.19% | 1.99% |
Peoples Bank of Alabama vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples Bank of Alabama, 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 of Alabama profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22537) · FFIEC NIC profile (RSSD 60330)