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: 57.35 percentage points lower than in Q1 2026, at 101.13%. The Peoples Bank ranks 35th of 87 Indiana banks on return on assets, in the upper half at 1.32% (Q2 2026). The Peoples Bank reported 1.32% on return on assets for Q2 2026, 0.06 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.32% |
| Equity capital to assets | 7.46% |
| Tangible equity to tangible assets | 7.46% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.81% |
| Non-performing assets ratio | 0.38% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 4.89% |
| Allowance for credit losses to loans | 0.82% |
| Reserve coverage of non-performing loans | 101.13% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.32% |
| Return on equity | 19.36% |
| Net interest margin | 3.76% |
| Efficiency ratio | 53.34% |
| Yield on earning assets | 4.47% |
| Cost of funds | 0.76% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 51.49% |
| Core deposits to total deposits | 96.69% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 92.21% |
| Securities to assets | 42.24% |
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 | 17.82% | 17.82% | 18.58% | 8.96% | 0.80% |
| Q4 2023 | 19.95% | 19.95% | 20.81% | 8.39% | 0.83% |
| Q1 2024 | 20.25% | 20.25% | 21.11% | 8.70% | 0.63% |
| Q2 2024 | 19.84% | 19.84% | 20.65% | 8.36% | 0.88% |
| Q3 2024 | 19.39% | 19.39% | 20.22% | 9.05% | 0.79% |
| Q4 2024 | 18.16% | 18.16% | 18.94% | 8.75% | 0.99% |
| Q1 2025 | 19.08% | 19.08% | 19.88% | 9.02% | 0.90% |
| Q2 2025 | 20.12% | 20.12% | 20.95% | 8.91% | 1.16% |
| Q3 2025 | 20.02% | 20.02% | 20.84% | 9.10% | 1.12% |
| Q4 2025 | 18.01% | 18.01% | 18.68% | 8.91% | 1.10% |
| Q1 2026 | 21.06% | 21.06% | 21.86% | 9.50% | 1.19% |
| Q2 2026 | — | — | — | 9.32% | 1.32% |
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 5779) · FFIEC NIC profile (RSSD 7045)