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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