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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 $30.8MQ3 2024Q2 2026
Deposit mix
81%Interest-bearing $111.4M19%Noninterest $25.3MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.40%, down 30 bps year over year; NIM at 5.18%.
  • Asset quality: problem loans at 2.23% of loans (+10 bps YoY), with net charge-offs at 0.35%.
  • 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.

Return on Assets (quarter, annualized)

1.40%-30 bps YoY

Net Interest Margin (quarter, annualized)

5.18%+6 bps YoY

Efficiency Ratio (quarter, annualized)

71.12%+344 bps YoY

Tier 1 Leverage Ratio

13.59%+66 bps YoY

NIM

6.50%Q2 ’246.60%Q2 ’256.51%Q2 ’26+7%+1%

Non-interest income vs. expense

3.82%Q2 ’244.21%Q2 ’254.56%Q2 ’26+8%+7%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.61%0.93%1.53%1.69%1.44%1.75%1.37%1.40%-30 bps
Return on Equity5.06%7.40%11.77%12.67%10.38%12.44%9.74%9.91%-277 bps
Net Interest Margin4.78%4.83%4.84%5.12%5.28%5.23%5.13%5.18%+6 bps
Efficiency Ratio70.27%64.67%59.43%67.68%65.62%66.68%70.64%71.12%+344 bps
Non-Interest Burden3.11%2.78%2.15%3.18%3.15%3.16%3.36%3.42%+23 bps
Growth
Asset Growth (YoY)-7.65%-7.80%-7.31%-8.04%-8.96%-6.17%-4.53%-1.99%+605 bps
Loan Growth (YoY)-12.99%-10.64%-10.70%-3.09%-2.89%-2.73%1.39%-4.03%-94 bps
Deposit Growth (YoY)-9.68%-9.24%-5.79%-7.16%-8.93%-4.90%-6.03%-1.97%+519 bps
Asset Quality
Nonperforming Loans / Loans2.33%2.43%2.36%2.14%1.93%2.26%2.27%2.23%+10 bps
Net Charge-Offs / Loans1.09%1.21%1.01%0.43%0.59%0.04%0.20%0.35%-8 bps
Allowance / Loans2.16%2.17%2.23%1.93%1.89%1.85%1.79%1.69%-24 bps
Allowance Coverage of NPLs0.9x0.9x0.9x0.9x1.0x0.8x0.8x0.8x-0.1x
Capital
Tier 1 Leverage Ratio11.51%12.17%12.55%12.93%13.46%13.31%13.81%13.59%+66 bps
Total Risk-Based Capital19.35%20.25%21.01%20.36%21.00%20.67%21.02%21.00%+64 bps
Equity / Assets12.17%12.87%13.10%13.65%14.11%13.95%14.14%14.12%+47 bps
Liquidity & Funding
Loans / Deposits106.89%110.48%103.05%113.44%113.98%113.00%111.18%111.06%-239 bps
Liquid Assets / Assets6.56%6.73%7.48%5.23%3.48%2.56%2.28%2.16%-307 bps
CRE / Total Capitaln/an/an/an/a111.68%109.07%117.53%n/an/a