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 25.79 percentage points in Q2 2026, from 113.92% to 88.13%. It was the largest change from Q1 2026 among the key lines here. Among 119 Kentucky banks, The Peoples Bank sits 6th from the top on return on assets, 2.27% as of Q2 2026. The Peoples Bank's return on assets of 2.27% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 1.01 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 17.46% |
| Tier 1 risk-based capital ratio | 17.46% |
| Total risk-based capital ratio | 18.72% |
| Tier 1 leverage ratio | 10.82% |
| Equity capital to assets | 8.05% |
| Tangible equity to tangible assets | 8.05% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.55% |
| Non-performing assets ratio | 1.12% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 12.35% |
| Allowance for credit losses to loans | 1.37% |
| Reserve coverage of non-performing loans | 88.13% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.27% |
| Return on equity | 29.09% |
| Net interest margin | 4.97% |
| Efficiency ratio | 55.62% |
| Yield on earning assets | 6.05% |
| Cost of funds | 1.21% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.52% |
| Core deposits to total deposits | 93.95% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 91.49% |
| Securities to assets | 21.42% |
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 | 22.45% | 22.45% | 23.71% | 12.06% | 1.64% |
| Q4 2023 | 22.74% | 22.74% | 24.00% | 11.49% | 1.73% |
| Q1 2024 | 24.26% | 24.26% | 25.52% | 11.92% | 1.70% |
| Q2 2024 | 21.77% | 21.77% | 23.02% | 12.00% | 1.79% |
| Q3 2024 | 21.56% | 21.56% | 22.82% | 12.41% | 1.75% |
| Q4 2024 | 20.68% | 20.68% | 21.93% | 11.73% | 1.63% |
| Q1 2025 | 19.47% | 19.47% | 20.72% | 11.44% | 1.70% |
| Q2 2025 | 18.84% | 18.84% | 20.09% | 11.57% | 2.05% |
| Q3 2025 | 19.20% | 19.20% | 20.45% | 12.00% | 2.11% |
| Q4 2025 | 18.25% | 18.25% | 19.50% | 11.40% | 1.92% |
| Q1 2026 | 17.82% | 17.82% | 19.08% | 11.01% | 1.84% |
| Q2 2026 | 17.46% | 17.46% | 18.72% | 10.82% | 2.27% |
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.
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