Peoples Exchange 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: 40.21 percentage points lower than in Q1 2026, at 57.61%. Within Alabama, Peoples Exchange Bank is 45th of 93 on return on assets, 1.15% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 0.98% on return on assets. Peoples Exchange Bank sits 0.17 points higher, at 1.15% (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 | 13.46% |
| Equity capital to assets | 11.58% |
| Tangible equity to tangible assets | 11.58% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.44% |
| Non-performing assets ratio | 1.63% |
| Net charge-off ratio | 0.44% |
| Texas ratio | 13.24% |
| Allowance for credit losses to loans | 1.40% |
| Reserve coverage of non-performing loans | 57.61% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.15% |
| Return on equity | 10.01% |
| Net interest margin | 4.08% |
| Efficiency ratio | 66.41% |
| Yield on earning assets | 5.63% |
| Cost of funds | 1.95% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 61.32% |
| Core deposits to total deposits | 92.06% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.86% |
| Securities to assets | 20.69% |
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 | 12.42% | 0.43% | 3.77% | 1.31% | -0.04% |
| Q4 2023 | 12.40% | 0.20% | 3.48% | 1.13% | 0.27% |
| Q1 2024 | 12.23% | 0.24% | 3.52% | 0.97% | 0.25% |
| Q2 2024 | 12.11% | 0.31% | 3.51% | 1.83% | -0.03% |
| Q3 2024 | 12.05% | 0.19% | 3.51% | 2.96% | 0.04% |
| Q4 2024 | 12.27% | 0.84% | 4.00% | 2.79% | 0.25% |
| Q1 2025 | 12.88% | 0.46% | 3.84% | 2.25% | 0.25% |
| Q2 2025 | 12.79% | 0.62% | 3.86% | 2.94% | -0.02% |
| Q3 2025 | 13.19% | 0.73% | 4.11% | 2.42% | -0.01% |
| Q4 2025 | 13.25% | 1.14% | 4.79% | 1.54% | -0.18% |
| Q1 2026 | 12.86% | 0.79% | 3.71% | 1.55% | 0.00% |
| Q2 2026 | 13.46% | 1.15% | 4.08% | 2.44% | 0.44% |
Peoples Exchange Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples Exchange 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 Peoples Exchange Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 70) · FFIEC NIC profile (RSSD 42037)