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 5926.45 percentage points in Q2 2026, from 6360.78% to 434.33%. It was the largest change from Q1 2026 among the key lines here. Within Mississippi, The Peoples Bank is 42nd of 57 on return on assets, 0.95% 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 0.31 points lower, at 0.95% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 20.58% |
| Tier 1 risk-based capital ratio | 20.58% |
| Total risk-based capital ratio | 21.72% |
| Tier 1 leverage ratio | 10.25% |
| Equity capital to assets | 8.96% |
| Tangible equity to tangible assets | 8.89% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.32% |
| Non-performing assets ratio | 0.13% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.49% |
| Allowance for credit losses to loans | 1.39% |
| Reserve coverage of non-performing loans | 434.33% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.95% |
| Return on equity | 10.80% |
| Net interest margin | 2.81% |
| Efficiency ratio | 54.84% |
| Yield on earning assets | 4.64% |
| Cost of funds | 1.66% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 45.86% |
| Core deposits to total deposits | 79.97% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.83% |
| Securities to assets | 49.91% |
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 | 21.21% | 21.21% | 22.46% | 10.90% | 0.87% |
| Q4 2023 | 21.61% | 21.61% | 22.85% | 10.77% | 1.15% |
| Q1 2024 | 21.82% | 21.82% | 23.04% | 10.86% | 1.10% |
| Q2 2024 | 21.86% | 21.86% | 23.05% | 10.88% | 0.97% |
| Q3 2024 | 21.78% | 21.78% | 22.96% | 10.94% | 0.95% |
| Q4 2024 | 21.30% | 21.30% | 22.45% | 10.54% | 0.57% |
| Q1 2025 | 21.68% | 21.68% | 22.82% | 10.80% | 0.73% |
| Q2 2025 | 21.52% | 21.52% | 22.65% | 10.64% | 0.91% |
| Q3 2025 | 21.53% | 21.53% | 22.66% | 10.72% | 1.09% |
| Q4 2025 | 20.81% | 20.81% | 21.93% | 10.41% | 0.77% |
| Q1 2026 | 20.86% | 20.86% | 22.00% | 10.42% | 1.02% |
| Q2 2026 | 20.58% | 20.58% | 21.72% | 10.25% | 0.95% |
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 15871) · FFIEC NIC profile (RSSD 593249)