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.
Reserve coverage of non-performing loans dropped 147.98 percentage points in Q2 2026, from 641.09% to 493.11%. It was the largest change from Q1 2026 among the key lines here. Among 182 Kansas banks, The Peoples Bank sits 11th from the top on return on assets, 2.44% as of Q2 2026. The Peoples Bank's return on assets of 2.44% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 1.19 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.52% |
| Tier 1 risk-based capital ratio | 15.52% |
| Total risk-based capital ratio | 16.77% |
| Tier 1 leverage ratio | 9.29% |
| Equity capital to assets | 7.70% |
| Tangible equity to tangible assets | 6.04% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.33% |
| Non-performing assets ratio | 1.03% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 15.48% |
| Allowance for credit losses to loans | 1.64% |
| Reserve coverage of non-performing loans | 493.11% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.44% |
| Return on equity | 32.68% |
| Net interest margin | 4.04% |
| Efficiency ratio | 49.43% |
| Yield on earning assets | 5.56% |
| Cost of funds | 1.58% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 54.84% |
| Core deposits to total deposits | 79.50% |
| Brokered deposits to total deposits | 5.89% |
| Deposits to assets | 91.61% |
| Securities to assets | 39.62% |
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 | 15.23% | 15.23% | 16.45% | 9.67% | 0.83% |
| Q4 2023 | 15.50% | 15.50% | 16.66% | 9.83% | 1.86% |
| Q1 2024 | 15.85% | 15.85% | 17.07% | 9.04% | 1.93% |
| Q2 2024 | 15.95% | 15.95% | 17.17% | 9.25% | 1.92% |
| Q3 2024 | 15.20% | 15.20% | 16.37% | 8.92% | 1.85% |
| Q4 2024 | 14.61% | 14.61% | 15.74% | 8.94% | 1.76% |
| Q1 2025 | 14.95% | 14.95% | 15.94% | 8.80% | 1.57% |
| Q2 2025 | 14.88% | 14.88% | 15.95% | 8.64% | 1.33% |
| Q3 2025 | 15.06% | 15.06% | 16.26% | 8.88% | 1.50% |
| Q4 2025 | 14.45% | 14.45% | 15.70% | 8.55% | 2.01% |
| Q1 2026 | 15.22% | 15.22% | 16.47% | 9.14% | 3.58% |
| Q2 2026 | 15.52% | 15.52% | 16.77% | 9.29% | 2.44% |
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 1147) · FFIEC NIC profile (RSSD 530655)