Peoples Bank of Graceville: 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: 24.80 percentage points lower than in Q1 2026, at 74.41%. Within Florida, Peoples Bank of Graceville is 42nd of 79 on return on assets, 1.04% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Peoples Bank of Graceville sits 0.21 points lower, at 1.04% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 30.21% |
| Tier 1 risk-based capital ratio | 30.21% |
| Total risk-based capital ratio | 31.22% |
| Tier 1 leverage ratio | 10.29% |
| Equity capital to assets | 7.41% |
| Tangible equity to tangible assets | 7.41% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.19% |
| Non-performing assets ratio | 0.44% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 5.67% |
| Allowance for credit losses to loans | 0.89% |
| Reserve coverage of non-performing loans | 74.41% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.04% |
| Return on equity | 14.89% |
| Net interest margin | 2.49% |
| Efficiency ratio | 61.34% |
| Yield on earning assets | 4.15% |
| Cost of funds | 1.84% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 40.09% |
| Core deposits to total deposits | 85.35% |
| Brokered deposits to total deposits | 1.88% |
| Deposits to assets | 92.01% |
| Securities to assets | 59.87% |
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 | 30.30% | 30.30% | 31.31% | 10.59% | 0.97% |
| Q4 2023 | 29.59% | 29.59% | 30.62% | 10.36% | 0.71% |
| Q1 2024 | 29.25% | 29.25% | 30.26% | 10.23% | 0.72% |
| Q2 2024 | 29.43% | 29.43% | 30.44% | 10.39% | 0.75% |
| Q3 2024 | 30.01% | 30.01% | 31.02% | 10.58% | 0.68% |
| Q4 2024 | 28.96% | 28.96% | 29.95% | 10.55% | 0.73% |
| Q1 2025 | 29.85% | 29.85% | 30.89% | 10.48% | 0.73% |
| Q2 2025 | 31.36% | 31.36% | 32.43% | 10.68% | 0.79% |
| Q3 2025 | 29.98% | 29.98% | 30.99% | 10.69% | 0.85% |
| Q4 2025 | 29.63% | 29.63% | 30.66% | 10.09% | 1.04% |
| Q1 2026 | 29.39% | 29.39% | 30.39% | 10.21% | 0.94% |
| Q2 2026 | 30.21% | 30.21% | 31.22% | 10.29% | 1.04% |
Peoples Bank of Graceville vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples Bank of Graceville, 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 Graceville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21692) · FFIEC NIC profile (RSSD 717232)