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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

5.75%Q2 ’245.89%Q2 ’255.96%Q2 ’26+7%+2%

Non-interest income vs. expense

2.78%Q2 ’242.66%Q2 ’252.76%Q2 ’26-6%+7%

Executive Summary

  • Earnings: ROA of 1.83%, unchanged from a year ago; NIM at 4.88%.
  • Asset quality: problem loans at 0.02% of loans (-21 bps YoY), with net charge-offs at 0.05%.
  • 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 (quarter, annualized)

1.83%0 bps YoY

Net Interest Margin (quarter, annualized)

4.88%+11 bps YoY

Efficiency Ratio (quarter, annualized)

52.00%+142 bps YoY

Tier 1 Leverage Ratio

14.70%+103 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.82%1.93%1.77%1.68%1.83%0 bps
Return on Equity14.36%14.79%13.28%12.33%12.92%-144 bps
Net Interest Margin4.77%4.80%4.81%4.60%4.88%+11 bps
Efficiency Ratio50.58%48.91%50.62%52.59%52.00%+142 bps
Non-Interest Burden2.17%2.10%2.21%2.22%2.33%+15 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 / Loans0.01%0.00%0.01%-0.01%0.05%+4 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