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Peoples Bank

Cuba, MO · Cert 12230 · Peoples Bcorp Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$248.7MAssets
$172.4MLoans
$227.1MDeposits
$20.5MEquity
Loan mix
93%RE $153.5M4%C&I $7.0M2%Consumer $3.9MQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $179.6M21%Noninterest $47.4MQ2 2025Q2 2026

NIM

4.72%Q2 ’244.94%Q2 ’255.15%Q2 ’26+12%+11%

Non-interest income vs. expense

2.71%Q2 ’242.81%Q2 ’252.92%Q2 ’26-2%+6%

Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.0% share · #94 of 111 inst. · $0.0B of $141.7B

38.0% Crawford
1.1% Franklin

Executive Summary

  • Earnings: ROA of 1.38%, up 16 bps year over year; NIM at 3.78%.
  • Asset quality: problem loans at 0.23% of loans (0 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 10.96%, up 34 bps from a year ago.
  • Funding: loans stand at 75.91% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.38%+16 bps YoY

Net Interest Margin (YTD, annualized)

3.78%+38 bps YoY

Efficiency Ratio (YTD, annualized)

62.22%-278 bps YoY

Tier 1 Leverage Ratio

10.96%+34 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.22%1.31%1.30%1.36%1.38%+16 bps
Return on Equity17.45%17.93%17.43%17.02%17.14%-31 bps
Net Interest Margin3.40%3.55%3.63%3.67%3.78%+38 bps
Efficiency Ratio65.00%63.61%63.69%61.06%62.22%-278 bps
Non-Interest Burden1.89%1.91%1.96%1.88%2.01%+12 bps
Growth
Asset Growth (YoY)0.46%0.32%2.41%1.14%0.03%-43 bps
Loan Growth (YoY)-0.41%2.54%-0.58%2.92%7.02%+744 bps
Deposit Growth (YoY)2.17%0.08%1.07%0.21%-1.13%-331 bps
Asset Quality
Nonperforming Loans / Loans0.23%0.27%0.23%0.24%0.23%0 bps
Net Charge-Offs / Loans0.09%0.08%0.07%0.07%0.04%-6 bps
Allowance / Loans1.12%1.08%1.15%1.14%1.12%0 bps
Allowance Coverage of NPLs4.9x4.0x4.9x4.8x5.0x0.0x
Capital
Tier 1 Leverage Ratio10.62%10.89%10.95%10.94%10.96%+34 bps
Total Risk-Based Capital10.62%10.89%10.95%10.94%10.96%+34 bps
Equity / Assets7.11%8.16%8.09%7.85%8.24%+113 bps
Liquidity & Funding
Loans / Deposits70.12%75.85%71.79%73.44%75.91%+579 bps
Liquid Assets / Assets8.27%3.19%7.55%6.94%4.80%-347 bps
CRE / Total Capitaln/a182.48%181.30%191.92%n/an/a