Cuba, MO · Cert 12230 · Peoples Bcorp Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks under $1B in assets in MO (n=82 to 83). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
17
Asset Quality
48
Profitability
60
Liquidity
72
Efficiency
36
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.
Cuba, MO · Cert 12230 · Peoples Bcorp Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.0% share · #94 of 111 inst. · $0.0B of $141.7B
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 | 0.94% | 0.98% | 1.19% | 1.22% | 1.31% | 1.30% | 1.36% | 1.38% | +16 bps | |
| Return on Equity | 13.29% | 13.93% | 17.09% | 17.45% | 17.93% | 17.43% | 17.02% | 17.14% | -31 bps | |
| Net Interest Margin | 3.13% | 3.20% | 3.29% | 3.40% | 3.55% | 3.63% | 3.67% | 3.78% | +38 bps | |
| Efficiency Ratio | 70.02% | 69.21% | 64.73% | 65.00% | 63.61% | 63.69% | 61.06% | 62.22% | -278 bps | |
| Non-Interest Burden | 1.93% | 1.94% | 1.80% | 1.89% | 1.91% | 1.96% | 1.88% | 2.01% | +12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.28% | -3.77% | -3.24% | 0.46% | 0.32% | 2.41% | 1.14% | 0.03% | -43 bps | |
| Loan Growth (YoY) | 0.19% | 3.08% | -0.57% | -0.41% | 2.54% | -0.58% | 2.92% | 7.02% | +744 bps | |
| Deposit Growth (YoY) | -4.90% | -3.86% | -1.63% | 2.17% | 0.08% | 1.07% | 0.21% | -1.13% | -331 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.62% | 0.60% | 0.37% | 0.23% | 0.27% | 0.23% | 0.24% | 0.23% | 0 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.05% | 0.09% | 0.09% | 0.08% | 0.07% | 0.07% | 0.04% | -6 bps | |
| Allowance / Loans | 1.16% | 1.15% | 1.17% | 1.12% | 1.08% | 1.15% | 1.14% | 1.12% | 0 bps | |
| Allowance Coverage of NPLs | 1.9x | 1.9x | 3.1x | 4.9x | 4.0x | 4.9x | 4.8x | 5.0x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.60% | 10.73% | 10.54% | 10.62% | 10.89% | 10.95% | 10.94% | 10.96% | +34 bps | |
| Total Risk-Based Capital | 10.60% | 10.73% | 10.54% | 10.62% | 10.89% | 10.95% | 10.94% | 10.96% | +34 bps | |
| Equity / Assets | 7.96% | 6.84% | 7.08% | 7.11% | 8.16% | 8.09% | 7.85% | 8.24% | +113 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.03% | 72.98% | 71.51% | 70.12% | 75.85% | 71.79% | 73.44% | 75.91% | +579 bps | |
| Liquid Assets / Assets | 1.91% | 4.59% | 6.30% | 8.27% | 3.19% | 7.55% | 6.94% | 4.80% | -347 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 182.48% | 181.30% | 191.92% | n/a | n/a | |
Cuba, MO · Cert 12230 · Peer group: banks under $1B in assets in MO (n=82-83) · Peoples Bcorp Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Return on Assets
1.39%
Rank 39 of 83
Net Interest Margin
3.78%
Rank 46 of 83
Efficiency Ratio
62.22%
Rank 54 of 83
Equity / Assets
8.24%
Rank 73 of 83
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.39% | 0.96% | 1.32% | 1.75% | Beats 53% | 39 / 83 | ||
| Return on Equity | 16.82% | 9.66% | 12.96% | 15.76% | Beats 82% | 15 / 83 | ||
| Net Interest Margin | 3.78% | 3.35% | 3.85% | 4.16% | Beats 45% | 46 / 83 | ||
| Efficiency Ratio | 62.22% | 49.83% | 58.83% | 68.51% | Beats 36% | 54 / 83 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.23% | 0.08% | 0.51% | 1.01% | Beats 66% | 29 / 82 | ||
| Net Charge-Offs / Loans | 0.05% | 0.00% | 0.01% | 0.06% | Beats 30% | 58 / 82 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.96% | 11.01% | 12.49% | 14.98% | Beats 22% | 65 / 83 | ||
| Total Risk-Based Capital Ratio | 10.96% | 11.13% | 13.01% | 15.10% | Beats 18% | 68 / 83 | ||
| Equity / Assets | 8.24% | 8.83% | 10.71% | 13.29% | Beats 12% | 73 / 83 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 75.91% | 69.28% | 83.22% | 91.21% | 37th pctl | 52 / 82 | ||
| Loans / Assets | 69.31% | 59.34% | 71.15% | 78.36% | 43rd pctl | 47 / 83 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||