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: 2.27 percentage points higher than in Q1 2026, at 66.03%. The Peoples Bank ranks 18th of 78 Arkansas banks on return on assets, in the upper half at 1.71% (Q2 2026). The Peoples Bank reported 1.71% on return on assets for Q2 2026, 0.45 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 19.74% |
| Tier 1 risk-based capital ratio | 19.74% |
| Total risk-based capital ratio | 21.00% |
| Tier 1 leverage ratio | 13.59% |
| Equity capital to assets | 14.12% |
| Tangible equity to tangible assets | 13.62% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.55% |
| Non-performing assets ratio | 1.98% |
| Net charge-off ratio | 0.35% |
| Texas ratio | 14.46% |
| Allowance for credit losses to loans | 1.69% |
| Reserve coverage of non-performing loans | 66.03% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.71% |
| Return on equity | 12.11% |
| Net interest margin | 5.53% |
| Efficiency ratio | 71.12% |
| Yield on earning assets | 7.02% |
| Cost of funds | 1.63% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 111.06% |
| Core deposits to total deposits | 91.91% |
| Brokered deposits to total deposits | 2.22% |
| Deposits to assets | 69.82% |
| Securities to assets | 5.88% |
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 | 15.31% | 15.31% | 16.57% | 10.38% | 1.01% |
| Q4 2023 | 16.13% | 16.13% | 17.40% | 10.78% | 1.56% |
| Q1 2024 | 17.15% | 17.15% | 18.42% | 11.35% | 1.07% |
| Q2 2024 | 17.79% | 17.79% | 19.05% | 11.48% | 0.87% |
| Q3 2024 | 18.09% | 18.09% | 19.35% | 11.51% | 0.69% |
| Q4 2024 | 18.98% | 18.98% | 20.25% | 12.17% | 1.09% |
| Q1 2025 | 19.74% | 19.74% | 21.01% | 12.55% | 1.86% |
| Q2 2025 | 19.10% | 19.10% | 20.36% | 12.93% | 2.07% |
| Q3 2025 | 19.73% | 19.73% | 21.00% | 13.46% | 1.89% |
| Q4 2025 | 19.41% | 19.41% | 20.67% | 13.31% | 2.21% |
| Q1 2026 | 19.76% | 19.76% | 21.02% | 13.81% | 1.68% |
| Q2 2026 | 19.74% | 19.74% | 21.00% | 13.59% | 1.71% |
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 12531) · FFIEC NIC profile (RSSD 712648)