Peoples Bank & Trust: 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 climbed 395.86 percentage points in Q2 2026, from 263.14% to 659.00%. It was the largest change from Q1 2026 among the key lines here. Peoples Bank & Trust ranks 75th of 121 Georgia banks on return on assets, in the lower half at 1.41% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Peoples Bank & Trust sits 0.16 points higher, at 1.41% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.81% |
| Equity capital to assets | 9.58% |
| Tangible equity to tangible assets | 9.58% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.16% |
| Non-performing assets ratio | 0.08% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.81% |
| Allowance for credit losses to loans | 1.03% |
| Reserve coverage of non-performing loans | 659.00% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.41% |
| Return on equity | 15.40% |
| Net interest margin | 4.07% |
| Efficiency ratio | 43.72% |
| Yield on earning assets | 5.43% |
| Cost of funds | 1.20% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 58.53% |
| Core deposits to total deposits | 77.89% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.65% |
| Securities to assets | 36.16% |
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 | 9.17% | 1.01% | 3.16% | 0.06% | -0.00% |
| Q4 2023 | 9.43% | 1.03% | 3.09% | 0.06% | -0.01% |
| Q1 2024 | 9.52% | 1.08% | 3.40% | 0.05% | -0.00% |
| Q2 2024 | 9.82% | 1.05% | 3.41% | 0.05% | 0.00% |
| Q3 2024 | 10.15% | 1.12% | 3.68% | 0.20% | 0.00% |
| Q4 2024 | 10.23% | 1.34% | 3.78% | 0.19% | 0.00% |
| Q1 2025 | 10.31% | 1.18% | 3.61% | 0.19% | 0.00% |
| Q2 2025 | 10.36% | 1.34% | 3.73% | 0.19% | 0.00% |
| Q3 2025 | 10.58% | 1.14% | 3.61% | 0.19% | -0.82% |
| Q4 2025 | 10.66% | 1.42% | 3.73% | 0.46% | -0.06% |
| Q1 2026 | 10.73% | 1.43% | 3.79% | 0.43% | 0.00% |
| Q2 2026 | 10.81% | 1.41% | 4.07% | 0.16% | 0.00% |
Peoples Bank & Trust vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples Bank & Trust, 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 Peoples Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25795) · FFIEC NIC profile (RSSD 109136)