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Peoples Bank, The

Ripley, MS · Cert 15871 · Peoples Corp. the

State charter, non-member · FDIC · 6 branches

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=743 to 746). 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

49

Q2 2024Q2 2026peer median (50)

Profitability

34

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

68

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 2026-10-11

Peoples Bank, The

Ripley, MS · Cert 15871 · Peoples Corp. the

State charter, non-member · FDIC · 6 branches

Q2 2026

$581.8MAssets
$239.7MLoans
$522.6MDeposits
$52.1MEquity
Loan mix
80%RE $173.5M11%C&I $23.9M9%Consumer $19.9MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $426.8M18%Noninterest $95.8MQ2 2025Q2 2026

NIM

3.73%Q2 ’244.02%Q2 ’254.11%Q2 ’26+3%+12%

Non-interest income vs. expense

1.93%Q2 ’241.86%Q2 ’251.84%Q2 ’26+27%+1%

Executive Summary

  • Earnings: ROA of 1.00%, up 18 bps year over year; NIM at 2.40%.
  • Asset quality: problem loans at 0.34% of loans (-8 bps YoY), with net recoveries of 0.03%.
  • Capital: tier 1 leverage ratio of 10.25%, down 39 bps from a year ago.
  • Funding: loans stand at 45.86% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.00%+18 bps YoY

Net Interest Margin (YTD, annualized)

2.40%+26 bps YoY

Efficiency Ratio (YTD, annualized)

57.47%-510 bps YoY

Tier 1 Leverage Ratio

10.25%-39 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.81%0.90%0.87%1.03%1.00%+18 bps
Return on Equity9.76%10.58%10.08%11.49%11.13%+136 bps
Net Interest Margin2.14%2.21%2.23%2.39%2.40%+26 bps
Efficiency Ratio62.56%60.59%62.31%57.82%57.47%-510 bps
Non-Interest Burden1.04%1.02%1.09%1.06%1.05%+1 bps
Growth
Asset Growth (YoY)8.55%7.74%6.16%7.44%5.40%-315 bps
Loan Growth (YoY)5.93%5.99%8.32%7.12%10.84%+491 bps
Deposit Growth (YoY)8.16%7.65%5.08%7.25%5.15%-301 bps
Asset Quality
Nonperforming Loans / Loans0.42%0.03%0.05%0.03%0.34%-8 bps
Net Charge-Offs / Loans0.01%0.02%0.02%-0.05%-0.03%-4 bps
Allowance / Loans1.40%1.38%1.37%1.42%1.39%-1 bps
Allowance Coverage of NPLs3.3x39.8x25.4x52.3x4.1x+0.7x
Capital
Tier 1 Leverage Ratio10.64%10.72%10.41%10.42%10.25%-39 bps
Total Risk-Based Capital22.65%22.66%21.93%22.00%21.72%-92 bps
Equity / Assets8.57%9.03%9.14%8.77%8.96%+39 bps
Liquidity & Funding
Loans / Deposits43.50%43.83%45.79%43.62%45.86%+236 bps
Liquid Assets / Assets13.77%12.91%12.15%11.35%11.55%-221 bps
CRE / Total Capitaln/a106.14%123.79%122.34%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 2026-10-11

Peoples Bank, The

Ripley, MS · Cert 15871 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Peoples Corp. the

State charter, non-member · FDIC · 6 branches

Q2 2026

$581.8MAssets
$239.7MLoans
$522.6MDeposits
$52.1MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 84% of banks under $1B in assets operating in a single state (rank 118 of 746).
  • Widest gap: net interest margin trails 95% of banks under $1B in assets operating in a single state (rank 708 of 746).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.98%

Rank 418 of 746

Net Interest Margin

2.40%

Rank 708 of 746

Efficiency Ratio

57.67%

Rank 237 of 746

Equity / Assets

8.96%

Rank 548 of 746

Non-interest income vs. expense

$4.7M$10.8MINCOMEEXPENSE
Unfavorable gap of $6.2M · efficiency ratio beats 68% of banks under $1B in assets operating in a single state
Bank 57.67%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.98%0.72%1.06%1.45%Beats 44%418 / 746
Return on Equity10.96%6.74%10.51%13.63%Beats 54%341 / 746
Net Interest Margin2.40%3.17%3.68%4.16%Beats 5%708 / 746
Efficiency Ratio57.67%55.74%64.58%75.47%Beats 68%237 / 746
Asset Quality
Nonperforming Loans / Loans0.34%0.09%0.42%1.07%Beats 57%324 / 743
Net Charge-Offs / Loans0.02%0.00%0.01%0.05%Beats 41%441 / 743
Capital
Tier 1 Capital Ratio20.58%11.55%13.75%17.60%Beats 84%118 / 746
Total Risk-Based Capital Ratio21.72%11.71%14.33%18.43%Beats 84%118 / 746
Equity / Assets8.96%8.90%10.51%13.06%Beats 27%548 / 746
Liquidity & Funding
Loans / Deposits45.86%61.31%78.27%90.78%9th pctl677 / 746
Loans / Assets41.20%53.60%66.97%76.08%11th pctl665 / 746
Brokered Deposits / Depositsn/aNot reported for this institution