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 Securities to assets: 2.47 percentage points lower than in Q1 2026, at 24.77%. The Peoples Bank ranks 106th of 121 Georgia banks on return on assets, in the lower half at 0.76% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. The Peoples Bank sits 0.49 points lower, at 0.76% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.45% |
| Equity capital to assets | 12.70% |
| Tangible equity to tangible assets | 12.70% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.26% |
| Non-performing assets ratio | 0.43% |
| Net charge-off ratio | 0.05% |
| Texas ratio | 3.33% |
| Allowance for credit losses to loans | 0.66% |
| Reserve coverage of non-performing loans | 52.65% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.76% |
| Return on equity | 6.15% |
| Net interest margin | 3.16% |
| Efficiency ratio | 77.67% |
| Yield on earning assets | 4.49% |
| Cost of funds | 1.46% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 39.22% |
| Core deposits to total deposits | 85.81% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.05% |
| Securities to assets | 24.77% |
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 | 11.70% | 1.04% | 3.30% | 1.70% | 0.01% |
| Q4 2023 | 12.10% | 0.84% | 3.29% | 1.26% | 0.02% |
| Q1 2024 | 12.47% | 0.63% | 3.03% | 1.38% | 0.01% |
| Q2 2024 | 12.63% | 0.70% | 3.14% | 1.30% | 0.00% |
| Q3 2024 | 13.11% | 0.56% | 2.91% | 1.38% | 0.03% |
| Q4 2024 | 12.43% | 0.43% | 3.01% | 1.54% | 0.01% |
| Q1 2025 | 11.74% | 0.58% | 2.84% | 1.45% | -0.01% |
| Q2 2025 | 12.15% | 0.80% | 3.20% | 1.49% | -0.01% |
| Q3 2025 | 12.78% | 1.04% | 3.09% | 1.47% | 0.00% |
| Q4 2025 | 13.10% | 0.53% | 3.06% | 1.41% | -0.02% |
| Q1 2026 | 12.44% | 0.64% | 2.85% | 1.31% | 0.00% |
| Q2 2026 | 12.45% | 0.76% | 3.16% | 1.26% | 0.05% |
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 17073) · FFIEC NIC profile (RSSD 575133)