PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 1.39%, 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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.74%0.79%1.53%1.61%1.56%1.61%1.37%1.39%-23 bps
Return on Equity6.24%6.54%11.77%12.22%11.59%11.87%9.74%9.85%-238 bps
Net Interest Margin4.80%4.92%4.84%5.03%5.18%5.24%5.13%5.12%+10 bps
Efficiency Ratio67.76%66.99%59.43%63.32%64.06%64.70%70.64%70.89%+757 bps
Non-Interest Burden3.01%3.02%2.15%2.69%2.88%2.98%3.36%3.37%+68 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 / Loans1.04%1.10%1.01%0.70%0.67%0.52%0.20%0.28%-42 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