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 288.69 percentage points in Q2 2026, from 380.12% to 91.44%. It was the largest change from Q1 2026 among the key lines here. Within Tennessee, The Peoples Bank is 82nd of 109 on return on assets, 0.84% 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. The Peoples Bank sits 0.41 points lower, at 0.84% (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 | 10.62% |
| Equity capital to assets | 9.80% |
| Tangible equity to tangible assets | 9.77% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.82% |
| Non-performing assets ratio | 1.02% |
| Net charge-off ratio | 0.40% |
| Texas ratio | 16.77% |
| Allowance for credit losses to loans | 0.75% |
| Reserve coverage of non-performing loans | 91.44% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.84% |
| Return on equity | 8.81% |
| Net interest margin | 4.41% |
| Efficiency ratio | 72.70% |
| Yield on earning assets | 6.17% |
| Cost of funds | 1.90% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 75.40% |
| Core deposits to total deposits | 90.33% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.08% |
| Securities to assets | 22.48% |
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 | 10.15% | -0.25% | 3.62% | 0.59% | 1.19% |
| Q4 2023 | 10.01% | 0.55% | 3.47% | 1.81% | 1.04% |
| Q1 2024 | 10.20% | 0.41% | 3.44% | 1.64% | 0.33% |
| Q2 2024 | 10.16% | 0.55% | 3.30% | 0.11% | -0.08% |
| Q3 2024 | 10.05% | 0.68% | 3.66% | 1.27% | 0.19% |
| Q4 2024 | 10.13% | 0.20% | 3.72% | 1.12% | 0.66% |
| Q1 2025 | 10.35% | 0.58% | 3.84% | 0.23% | 0.11% |
| Q2 2025 | 10.58% | 0.49% | 4.01% | 0.19% | 0.04% |
| Q3 2025 | 10.58% | 0.48% | 3.98% | 0.20% | 0.00% |
| Q4 2025 | 10.55% | 0.53% | 3.91% | 0.23% | 0.62% |
| Q1 2026 | 10.50% | 0.53% | 3.96% | 0.23% | 0.03% |
| Q2 2026 | 10.62% | 0.84% | 4.41% | 0.82% | 0.40% |
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 6110) · FFIEC NIC profile (RSSD 591357)