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Peoples Bank, The

Pratt, KS · Cert 1147 · Peoples Bankshares Ltd. the

State charter, Fed member · FED · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in KS3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in KS (n=98). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

48

Q2 2024Q2 2026peer median (50)

Asset Quality

43

Q2 2024Q2 2026peer median (50)

Profitability

85

Q2 2024Q2 2026peer median (50)

Liquidity

40

Q2 2024Q2 2026peer median

Efficiency

97

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Peoples Bank, The

Pratt, KS · Cert 1147 · Peoples Bankshares Ltd. the

State charter, Fed member · FED · 5 branches

Q2 2026

$531.1MAssets
$266.8MLoans
$486.6MDeposits
$40.9MEquity
Loan mix
87%RE $140.6M10%C&I $16.1M3%Consumer $5.0MQ2 2025Q2 2026
Deposit mix
68%Interest-bearing $329.7M32%Noninterest $156.9MQ2 2025Q2 2026

NIM

5.22%Q2 ’244.91%Q2 ’255.07%Q2 ’26-10%+14%

Non-interest income vs. expense

2.53%Q2 ’242.64%Q2 ’252.49%Q2 ’26+4%-75%

Executive Summary

  • Earnings: ROA of 2.42%, up 120 bps year over year; NIM at 3.68%.
  • Asset quality: problem loans at 0.37% of loans (+9 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.29%, up 65 bps from a year ago.
  • Funding: loans stand at 54.84% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.42%+120 bps YoY

Net Interest Margin (YTD, annualized)

3.68%+46 bps YoY

Efficiency Ratio (YTD, annualized)

43.49%-1,842 bps YoY

Tier 1 Leverage Ratio

9.29%+65 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.22%1.22%1.32%2.87%2.42%+120 bps
Return on Equity18.90%18.59%20.26%41.54%33.77%+1,487 bps
Net Interest Margin3.22%3.22%3.21%3.48%3.68%+46 bps
Efficiency Ratio61.90%60.58%56.89%38.40%43.49%-1,842 bps
Non-Interest Burden1.55%1.49%1.33%-0.50%0.39%-116 bps
Growth
Asset Growth (YoY)1.92%5.64%6.18%4.57%1.74%-18 bps
Loan Growth (YoY)3.08%2.65%-0.44%3.87%4.47%+139 bps
Deposit Growth (YoY)10.32%14.80%12.73%5.95%0.61%-972 bps
Asset Quality
Nonperforming Loans / Loans0.28%0.65%0.79%0.26%0.37%+9 bps
Net Charge-Offs / Loans0.44%0.35%0.36%0.01%0.00%-44 bps
Allowance / Loans1.28%1.44%1.51%1.64%1.64%+36 bps
Allowance Coverage of NPLs4.6x2.2x1.9x6.4x4.5x-0.1x
Capital
Tier 1 Leverage Ratio8.64%8.88%8.55%9.14%9.29%+65 bps
Total Risk-Based Capital15.95%16.26%15.70%16.47%16.77%+82 bps
Equity / Assets6.64%6.77%6.55%7.28%7.70%+107 bps
Liquidity & Funding
Loans / Deposits52.81%51.82%52.10%52.50%54.84%+203 bps
Liquid Assets / Assets29.51%30.61%32.42%32.45%30.07%+57 bps
CRE / Total Capitaln/a40.18%38.19%36.09%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Peoples Bank, The

Pratt, KS · Cert 1147 · Peer group: banks under $1B in assets in KS (n=98) · Peoples Bankshares Ltd. the

State charter, Fed member · FED · 5 branches

Q2 2026

$531.1MAssets
$266.8MLoans
$486.6MDeposits
$40.9MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 98% of banks under $1B in assets in KS (rank 2 of 98).
  • Widest gap: equity / assets trails 88% of banks under $1B in assets in KS (rank 86 of 98).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

2.48%

Rank 2 of 98

Net Interest Margin

3.68%

Rank 40 of 98

Efficiency Ratio

43.68%

Rank 4 of 98

Equity / Assets

7.70%

Rank 86 of 98

Non-interest income vs. expense

$11.4M$13.5MINCOMEEXPENSE
Unfavorable gap of $2.1M · efficiency ratio beats 97% of banks under $1B in assets in KS
Bank 43.68%Peer median 58.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.48%1.03%1.24%1.54%Beats 98%2 / 98
Return on Equity32.25%8.85%11.58%14.73%Beats 98%2 / 98
Net Interest Margin3.68%3.24%3.62%3.91%Beats 59%40 / 98
Efficiency Ratio43.68%51.87%58.88%64.74%Beats 97%4 / 98
Asset Quality
Nonperforming Loans / Loans0.37%0.01%0.33%1.05%Beats 47%53 / 98
Net Charge-Offs / Loans0.01%n/a0.00%0.03%Beats 38%62 / 98
Capital
Tier 1 Capital Ratio15.52%11.81%13.71%17.33%Beats 65%34 / 98
Total Risk-Based Capital Ratio16.77%11.81%14.13%17.45%Beats 67%32 / 98
Equity / Assets7.70%8.60%11.34%13.10%Beats 12%86 / 98
Liquidity & Funding
Loans / Deposits54.84%57.09%69.84%82.47%21st pctl77 / 98
Loans / Assets50.24%49.34%58.31%68.94%29th pctl70 / 98
Brokered Deposits / Depositsn/aNot reported for this institution