Pratt, KS · Cert 1147 · Peoples Bankshares Ltd. the
State charter, Fed member · FED · 5 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.55% | 1.52% | 1.34% | 1.22% | 1.22% | 1.32% | 2.87% | 2.42% | +120 bps | |
| Return on Equity | 24.68% | 24.25% | 21.03% | 18.90% | 18.59% | 20.26% | 41.54% | 33.77% | +1,487 bps | |
| Net Interest Margin | 3.45% | 3.35% | 3.23% | 3.22% | 3.22% | 3.21% | 3.48% | 3.68% | +46 bps | |
| Efficiency Ratio | 56.11% | 57.20% | 58.85% | 61.90% | 60.58% | 56.89% | 38.40% | 43.49% | -1,842 bps | |
| Non-Interest Burden | 1.47% | 1.43% | 1.42% | 1.55% | 1.49% | 1.33% | -0.50% | 0.39% | -116 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.90% | 5.35% | 0.75% | 1.92% | 5.64% | 6.18% | 4.57% | 1.74% | -18 bps | |
| Loan Growth (YoY) | 9.24% | 10.11% | 4.49% | 3.08% | 2.65% | -0.44% | 3.87% | 4.47% | +139 bps | |
| Deposit Growth (YoY) | 2.25% | 0.05% | 6.21% | 10.32% | 14.80% | 12.73% | 5.95% | 0.61% | -972 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.06% | 1.91% | 0.31% | 0.28% | 0.65% | 0.79% | 0.26% | 0.37% | +9 bps | |
| Net Charge-Offs / Loans | -0.04% | -0.05% | 0.99% | 0.44% | 0.35% | 0.36% | 0.01% | 0.00% | -44 bps | |
| Allowance / Loans | 1.37% | 1.30% | 1.18% | 1.28% | 1.44% | 1.51% | 1.64% | 1.64% | +36 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.7x | 3.9x | 4.6x | 2.2x | 1.9x | 6.4x | 4.5x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.92% | 8.94% | 8.80% | 8.64% | 8.88% | 8.55% | 9.14% | 9.29% | +65 bps | |
| Total Risk-Based Capital | 16.37% | 15.74% | 15.94% | 15.95% | 16.26% | 15.70% | 16.47% | 16.77% | +82 bps | |
| Equity / Assets | 6.63% | 6.15% | 6.59% | 6.64% | 6.77% | 6.55% | 7.28% | 7.70% | +107 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 57.96% | 58.99% | 53.55% | 52.81% | 51.82% | 52.10% | 52.50% | 54.84% | +203 bps | |
| Liquid Assets / Assets | 29.49% | 28.13% | 30.50% | 29.51% | 30.61% | 32.42% | 32.45% | 30.07% | +57 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 40.18% | 38.19% | 36.09% | n/a | n/a | |