The 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 35.46 percentage points lower than in Q1 2026, at 500.30%. The Peoples Bank ranks 72nd of 119 Kentucky banks on return on assets, in the lower half at 1.15% (Q2 2026). The Peoples Bank reported 1.15% on return on assets for Q2 2026, 0.10 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 | 11.55% |
| Equity capital to assets | 11.32% |
| Tangible equity to tangible assets | 11.32% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.30% |
| Non-performing assets ratio | 0.51% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 4.08% |
| Allowance for credit losses to loans | 1.50% |
| Reserve coverage of non-performing loans | 500.30% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.15% |
| Return on equity | 10.23% |
| Net interest margin | 4.11% |
| Efficiency ratio | 68.93% |
| Yield on earning assets | 6.47% |
| Cost of funds | 2.50% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.88% |
| Core deposits to total deposits | 87.51% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.24% |
| Securities to assets | 3.49% |
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 | 10.49% | 0.80% | 3.86% | 1.24% | 0.12% |
| Q4 2023 | 10.68% | -0.26% | 4.07% | 1.02% | 1.60% |
| Q1 2024 | 11.20% | 0.62% | 4.13% | 0.53% | 0.73% |
| Q2 2024 | 11.06% | 0.30% | 4.02% | 1.57% | -0.26% |
| Q3 2024 | 10.97% | 1.04% | 3.93% | 0.97% | 0.04% |
| Q4 2024 | 10.79% | -0.53% | 3.82% | 0.69% | 1.78% |
| Q1 2025 | 10.60% | 0.52% | 3.99% | 0.42% | -0.14% |
| Q2 2025 | 10.55% | 0.83% | 3.95% | 0.42% | -0.05% |
| Q3 2025 | 11.02% | 0.99% | 3.90% | 0.40% | 0.66% |
| Q4 2025 | 11.43% | 0.53% | 4.05% | 0.39% | -0.00% |
| Q1 2026 | 11.27% | 0.59% | 3.96% | 0.29% | 0.24% |
| Q2 2026 | 11.55% | 1.15% | 4.11% | 0.30% | 0.01% |
The Peoples Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The 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 The Peoples Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16603) · FFIEC NIC profile (RSSD 446149)