Peoples Bank of East Tennessee: 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 Reserve coverage of non-performing loans: 136.32 percentage points lower than in Q1 2026, at 401.48%. Within Tennessee, Peoples Bank of East Tennessee is 29th of 109 on return on assets, 1.61% as of Q2 2026, above the middle of the field. Peoples Bank of East Tennessee reported 1.61% on return on assets for Q2 2026, 0.35 points above 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 | 10.90% |
| Equity capital to assets | 9.92% |
| Tangible equity to tangible assets | 9.92% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.34% |
| Non-performing assets ratio | 0.24% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 2.36% |
| Allowance for credit losses to loans | 1.38% |
| Reserve coverage of non-performing loans | 401.48% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.61% |
| Return on equity | 16.62% |
| Net interest margin | 5.19% |
| Efficiency ratio | 61.47% |
| Yield on earning assets | 6.34% |
| Cost of funds | 1.22% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 77.00% |
| Core deposits to total deposits | 89.39% |
| Brokered deposits to total deposits | 1.22% |
| Deposits to assets | 89.27% |
| Securities to assets | 20.60% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.67% | 1.58% | 4.81% | 0.84% | 0.04% |
| Q4 2023 | 11.71% | 1.41% | 4.89% | 0.49% | 0.14% |
| Q1 2024 | 11.64% | 1.49% | 4.69% | 0.56% | 0.18% |
| Q2 2024 | 11.31% | 1.50% | 4.78% | 0.50% | 0.03% |
| Q3 2024 | 11.36% | 1.55% | 4.90% | 0.38% | 0.02% |
| Q4 2024 | 10.95% | 1.20% | 4.76% | 0.33% | 0.03% |
| Q1 2025 | 10.84% | 1.31% | 4.69% | 0.34% | 0.06% |
| Q2 2025 | 10.64% | 1.44% | 4.82% | 0.34% | 0.02% |
| Q3 2025 | 10.83% | 1.48% | 4.91% | 0.28% | 0.00% |
| Q4 2025 | 10.83% | 1.48% | 5.06% | 0.27% | 0.03% |
| Q1 2026 | 10.88% | 1.43% | 4.90% | 0.26% | 0.08% |
| Q2 2026 | 10.90% | 1.61% | 5.19% | 0.34% | 0.02% |
Peoples Bank of East Tennessee vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples Bank of East Tennessee, 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 East Tennessee profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34517) · FFIEC NIC profile (RSSD 2614344)