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Peoples Bank, The

Magnolia, AR · Cert 12531 · Golden Oaks Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

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.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

82

Q2 2024Q2 2026peer median (50)

Asset Quality

7

Q2 2024Q2 2026peer median (50)

Profitability

71

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

31

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Peoples Bank, The

Magnolia, AR · Cert 12531 · Golden Oaks Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$195.9MAssets
$151.9MLoans
$136.8MDeposits
$27.7MEquity
Loan mix
73%RE $111.8M7%C&I $10.3M20%Consumer $30.8MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $111.4M19%Noninterest $25.3MQ2 2025Q2 2026

NIM

6.47%Q2 ’246.56%Q2 ’256.45%Q2 ’26+5%+2%

Non-interest income vs. expense

3.79%Q2 ’244.18%Q2 ’254.48%Q2 ’26-8%+25%

Executive Summary

  • Earnings: ROA of 1.39%, down 23 bps year over year; NIM at 5.12%.
  • Asset quality: problem loans at 2.23% of loans (+10 bps YoY), with net charge-offs at 0.28%.
  • Capital: tier 1 leverage ratio of 13.59%, up 66 bps from a year ago.
  • Funding: loans stand at 111.06% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.39%-23 bps YoY

Net Interest Margin (YTD, annualized)

5.12%+10 bps YoY

Efficiency Ratio (YTD, annualized)

70.89%+757 bps YoY

Tier 1 Leverage Ratio

13.59%+66 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.61%1.56%1.61%1.37%1.39%-23 bps
Return on Equity12.22%11.59%11.87%9.74%9.85%-238 bps
Net Interest Margin5.03%5.18%5.24%5.13%5.12%+10 bps
Efficiency Ratio63.32%64.06%64.70%70.64%70.89%+757 bps
Non-Interest Burden2.69%2.88%2.98%3.36%3.37%+68 bps
Growth
Asset Growth (YoY)-8.04%-8.96%-6.17%-4.53%-1.99%+605 bps
Loan Growth (YoY)-3.09%-2.89%-2.73%1.39%-4.03%-94 bps
Deposit Growth (YoY)-7.16%-8.93%-4.90%-6.03%-1.97%+519 bps
Asset Quality
Nonperforming Loans / Loans2.14%1.93%2.26%2.27%2.23%+10 bps
Net Charge-Offs / Loans0.70%0.67%0.52%0.20%0.28%-42 bps
Allowance / Loans1.93%1.89%1.85%1.79%1.69%-24 bps
Allowance Coverage of NPLs0.9x1.0x0.8x0.8x0.8x-0.1x
Capital
Tier 1 Leverage Ratio12.93%13.46%13.31%13.81%13.59%+66 bps
Total Risk-Based Capital20.36%21.00%20.67%21.02%21.00%+64 bps
Equity / Assets13.65%14.11%13.95%14.14%14.12%+47 bps
Liquidity & Funding
Loans / Deposits113.44%113.98%113.00%111.18%111.06%-239 bps
Liquid Assets / Assets5.23%3.48%2.56%2.28%2.16%-307 bps
CRE / Total Capitaln/a111.68%109.07%117.53%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Peoples Bank, The

Magnolia, AR · Cert 12531 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Golden Oaks Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$195.9MAssets
$151.9MLoans
$136.8MDeposits
$27.7MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 97% of banks under $1B in assets operating in a single state (rank 22 of 746).
  • Widest gap: net charge-offs / loans trails 97% of banks under $1B in assets operating in a single state (rank 720 of 743).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.39%

Rank 214 of 746

Net Interest Margin

5.12%

Rank 22 of 746

Efficiency Ratio

72.48%

Rank 516 of 746

Equity / Assets

14.12%

Rank 137 of 746

Non-interest income vs. expense

$2.2M$8.8MINCOMEEXPENSE
Unfavorable gap of $6.6M · efficiency ratio beats 31% of banks under $1B in assets operating in a single state
Bank 72.48%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.39%0.72%1.06%1.45%Beats 71%214 / 746
Return on Equity9.81%6.74%10.51%13.63%Beats 45%409 / 746
Net Interest Margin5.12%3.17%3.68%4.16%Beats 97%22 / 746
Efficiency Ratio72.48%55.74%64.58%75.47%Beats 31%516 / 746
Asset Quality
Nonperforming Loans / Loans2.23%0.09%0.42%1.07%Beats 10%669 / 743
Net Charge-Offs / Loans0.44%0.00%0.01%0.05%Beats 3%720 / 743
Capital
Tier 1 Capital Ratio19.74%11.55%13.75%17.60%Beats 82%133 / 746
Total Risk-Based Capital Ratio21.00%11.71%14.33%18.43%Beats 83%128 / 746
Equity / Assets14.12%8.90%10.51%13.06%Beats 82%137 / 746
Liquidity & Funding
Loans / Deposits111.06%61.31%78.27%90.78%97th pctl21 / 746
Loans / Assets77.54%53.60%66.97%76.08%79th pctl157 / 746
Brokered Deposits / Depositsn/aNot reported for this institution