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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.03% | 1.11% | 1.19% | 1.26% | 1.46% | 1.28% | 1.36% | 1.41% | +15 bps | |
| Return on Equity | 14.00% | 14.96% | 17.09% | 17.75% | 19.21% | 15.75% | 17.02% | 17.51% | -25 bps | |
| Net Interest Margin | 3.22% | 3.30% | 3.29% | 3.53% | 3.75% | 3.79% | 3.67% | 3.92% | +39 bps | |
| Efficiency Ratio | 68.68% | 66.89% | 64.73% | 65.25% | 61.03% | 63.93% | 61.06% | 63.31% | -194 bps | |
| Non-Interest Burden | 1.92% | 1.89% | 1.80% | 1.99% | 1.90% | 2.06% | 1.88% | 2.14% | +15 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 | 0.03% | 0.04% | 0.09% | 0.10% | 0.07% | 0.02% | 0.07% | 0.00% | -9 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 | |