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Peoples Bank & Trust Company

Manchester, TN · Cert 1475 · Peoples Bcorp Inc.

State charter, non-member · FDIC · 1 branch

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=748 to 752). 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

65

Q2 2024Q2 2026peer median (50)

Asset Quality

63

Q2 2024Q2 2026peer median (50)

Profitability

82

Q2 2024Q2 2026peer median (50)

Liquidity

90

Q2 2024Q2 2026peer median

Efficiency

82

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 2026-10-10

Peoples Bank & Trust Company

Manchester, TN · Cert 1475 · Peoples Bcorp Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$168.6MAssets
$115.2MLoans
$142.6MDeposits
$24.3MEquity
Loan mix
87%RE $99.4M7%C&I $8.4M5%Consumer $5.9MQ2 2025Q2 2026
Deposit mix
64%Interest-bearing $91.0M36%Noninterest $51.6MQ2 2025Q2 2026

NIM

5.65%Q2 ’245.74%Q2 ’255.82%Q2 ’26+3%+3%

Non-interest income vs. expense

2.76%Q2 ’242.64%Q2 ’252.70%Q2 ’26-6%+6%

Executive Summary

  • Earnings: ROA of 1.76%, down 1 bps year over year; NIM at 4.73%.
  • Asset quality: problem loans at 0.02% of loans (-21 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 14.70%, up 103 bps from a year ago.
  • Funding: loans stand at 80.77% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.76%-1 bps YoY

Net Interest Margin (YTD, annualized)

4.73%+12 bps YoY

Efficiency Ratio (YTD, annualized)

52.29%+62 bps YoY

Tier 1 Leverage Ratio

14.70%+103 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.77%1.83%1.82%1.68%1.76%-1 bps
Return on Equity13.90%14.19%13.98%12.33%12.63%-127 bps
Net Interest Margin4.62%4.58%4.58%4.60%4.73%+12 bps
Efficiency Ratio51.67%50.71%50.68%52.59%52.29%+62 bps
Non-Interest Burden2.15%2.09%2.09%2.22%2.27%+12 bps
Growth
Asset Growth (YoY)9.60%9.39%10.86%3.66%0.36%-924 bps
Loan Growth (YoY)14.79%17.08%13.07%8.64%5.95%-885 bps
Deposit Growth (YoY)9.04%8.85%9.99%2.04%-1.57%-1,062 bps
Asset Quality
Nonperforming Loans / Loans0.24%0.24%0.02%0.02%0.02%-21 bps
Net Charge-Offs / Loans0.00%0.00%0.00%-0.01%0.02%+2 bps
Allowance / Loans1.36%1.34%1.37%1.41%1.43%+7 bps
Allowance Coverage of NPLs5.7x5.5x78.3x73.5x58.8x+53.1x
Capital
Tier 1 Leverage Ratio13.66%13.70%13.69%14.26%14.70%+103 bps
Total Risk-Based Capital13.66%13.70%13.69%14.26%14.70%+103 bps
Equity / Assets12.81%13.30%13.42%13.90%14.43%+162 bps
Liquidity & Funding
Loans / Deposits75.04%78.34%77.81%78.94%80.77%+573 bps
Liquid Assets / Assets13.96%13.97%15.00%14.88%11.12%-284 bps
CRE / Total Capitaln/a210%203%192.41%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 2026-10-10

Peoples Bank & Trust Company

Manchester, TN · Cert 1475 · Peer group: banks under $1B in assets operating in a single state (n=748-752) · Peoples Bcorp Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$168.6MAssets
$115.2MLoans
$142.6MDeposits
$24.3MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 92% of banks under $1B in assets operating in a single state (rank 60 of 752).
  • Widest gap: net charge-offs / loans trails 56% of banks under $1B in assets operating in a single state (rank 419 of 748).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.77%

Rank 95 of 752

Net Interest Margin

4.73%

Rank 60 of 752

Efficiency Ratio

52.29%

Rank 140 of 752

Equity / Assets

14.43%

Rank 125 of 752

Non-interest income vs. expense

$0.7M$4.6MINCOMEEXPENSE
Unfavorable gap of $3.9M · efficiency ratio beats 82% of banks under $1B in assets operating in a single state
Bank 52.29%Peer median 64.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.77%0.72%1.07%1.45%Beats 87%95 / 752
Return on Equity12.29%6.78%10.58%13.65%Beats 66%259 / 752
Net Interest Margin4.73%3.18%3.69%4.17%Beats 92%60 / 752
Efficiency Ratio52.29%55.75%64.49%75.47%Beats 82%140 / 752
Asset Quality
Nonperforming Loans / Loans0.02%0.09%0.42%1.03%Beats 82%139 / 748
Net Charge-Offs / Loans0.02%0.00%0.01%0.05%Beats 44%419 / 748
Capital
Tier 1 Capital Ratio14.70%11.55%13.75%17.60%Beats 58%314 / 752
Total Risk-Based Capital Ratio14.70%11.70%14.33%18.47%Beats 53%357 / 752
Equity / Assets14.43%8.93%10.56%13.13%Beats 83%125 / 752
Liquidity & Funding
Loans / Deposits80.78%62.23%78.64%91.26%54th pctl346 / 752
Loans / Assets68.32%54.61%67.41%76.47%52nd pctl358 / 752
Brokered Deposits / Depositsn/aNot reported for this institution