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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 $5.9MQ3 2024Q2 2026
Deposit mix
64%Interest-bearing $91.0M36%Noninterest $51.6MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.56%1.53%1.70%1.77%1.83%1.82%1.68%1.76%-1 bps
Return on Equity12.63%12.29%13.41%13.90%14.19%13.98%12.33%12.63%-127 bps
Net Interest Margin4.33%4.45%4.56%4.62%4.58%4.58%4.60%4.73%+12 bps
Efficiency Ratio55.01%55.60%52.82%51.67%50.71%50.68%52.59%52.29%+62 bps
Non-Interest Burden2.18%2.27%2.17%2.15%2.09%2.09%2.22%2.27%+12 bps
Growth
Asset Growth (YoY)10.42%7.77%7.82%9.60%9.39%10.86%3.66%0.36%-924 bps
Loan Growth (YoY)1.97%-0.14%9.80%14.79%17.08%13.07%8.64%5.95%-885 bps
Deposit Growth (YoY)9.36%9.25%7.12%9.04%8.85%9.99%2.04%-1.57%-1,062 bps
Asset Quality
Nonperforming Loans / Loans0.03%0.00%0.23%0.24%0.24%0.02%0.02%0.02%-21 bps
Net Charge-Offs / Loans-0.01%0.00%0.00%0.00%0.00%0.00%-0.01%0.02%+2 bps
Allowance / Loans1.41%1.40%1.39%1.36%1.34%1.37%1.41%1.43%+7 bps
Allowance Coverage of NPLs41.7x283.4x6.0x5.7x5.5x78.3x73.5x58.8x+53.1x
Capital
Tier 1 Leverage Ratio13.45%13.67%13.50%13.66%13.70%13.69%14.26%14.70%+103 bps
Total Risk-Based Capital13.45%13.67%13.50%13.66%13.70%13.69%14.26%14.70%+103 bps
Equity / Assets12.88%12.80%12.60%12.81%13.30%13.42%13.90%14.43%+162 bps
Liquidity & Funding
Loans / Deposits72.84%75.69%74.14%75.04%78.34%77.81%78.94%80.77%+573 bps
Liquid Assets / Assets17.36%14.46%12.56%13.96%13.97%15.00%14.88%11.12%-284 bps
CRE / Total Capitaln/an/an/an/a210%203%192.41%n/an/a