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: 16115.00 percentage points higher than in Q1 2026, at 79175.00%. Within Georgia, The Peoples Bank is 83rd of 121 on return on assets, 1.28% 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 reported 1.28% for Q2 2026, nearly level with it.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.67% |
| Equity capital to assets | 11.51% |
| Tangible equity to tangible assets | 11.51% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.03% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.27% |
| Allowance for credit losses to loans | 1.51% |
| Reserve coverage of non-performing loans | 79175.00% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.28% |
| Return on equity | 11.23% |
| Net interest margin | 4.95% |
| Efficiency ratio | 68.35% |
| Yield on earning assets | 6.34% |
| Cost of funds | 1.54% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.54% |
| Core deposits to total deposits | 89.56% |
| Brokered deposits to total deposits | 0.86% |
| Deposits to assets | 87.09% |
| Securities to assets | 7.48% |
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 | 10.93% | 0.98% | 5.11% | 0.05% | -0.03% |
| Q4 2023 | 11.01% | 0.95% | 5.16% | 0.04% | -0.01% |
| Q1 2024 | 11.03% | 1.02% | 5.00% | 0.01% | -0.00% |
| Q2 2024 | 10.75% | 1.07% | 5.01% | 0.01% | -0.00% |
| Q3 2024 | 10.57% | 1.16% | 4.96% | 0.00% | -0.00% |
| Q4 2024 | 10.57% | 1.08% | 4.97% | 0.17% | 0.00% |
| Q1 2025 | 10.86% | 1.05% | 4.90% | 0.01% | 0.00% |
| Q2 2025 | 10.80% | 1.19% | 5.16% | 0.05% | 0.00% |
| Q3 2025 | 10.59% | 1.27% | 5.04% | 0.06% | -0.09% |
| Q4 2025 | 11.14% | 1.31% | 5.07% | 0.00% | -0.03% |
| Q1 2026 | 11.47% | 1.63% | 4.88% | 0.00% | -0.23% |
| Q2 2026 | 11.67% | 1.28% | 4.95% | 0.00% | 0.00% |
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 16152) · FFIEC NIC profile (RSSD 611031)