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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

5.23%Q2 ’244.91%Q2 ’255.21%Q2 ’26-6%+18%

Non-interest income vs. expense

2.51%Q2 ’242.78%Q2 ’252.51%Q2 ’26+15%-24%

Executive Summary

  • Earnings: ROA of 1.96%, up 85 bps year over year; NIM at 3.84%.
  • Asset quality: problem loans at 0.37% of loans (+9 bps YoY), with net recoveries of 0.01%.
  • 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 (quarter, annualized)

1.96%+85 bps YoY

Net Interest Margin (quarter, annualized)

3.84%+60 bps YoY

Efficiency Ratio (quarter, annualized)

50.03%-1,490 bps YoY

Tier 1 Leverage Ratio

9.29%+65 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.10%1.22%1.63%2.87%1.96%+85 bps
Return on Equity16.67%18.19%24.46%41.54%26.12%+946 bps
Net Interest Margin3.24%3.22%3.35%3.48%3.84%+60 bps
Efficiency Ratio64.93%57.97%46.42%38.40%50.03%-1,490 bps
Non-Interest Burden1.70%1.36%0.92%-0.50%1.29%-41 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 / Loans-0.10%0.18%0.40%0.01%-0.01%+10 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