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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

3.83%Q2 ’244.14%Q2 ’254.20%Q2 ’26+4%+11%

Non-interest income vs. expense

1.93%Q2 ’241.86%Q2 ’251.90%Q2 ’26+22%-2%

Executive Summary

  • Earnings: ROA of 0.96%, up 6 bps year over year; NIM at 2.49%.
  • Asset quality: problem loans at 0.34% of loans (-8 bps YoY), with net charge-offs at 0.00%.
  • 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 (quarter, annualized)

0.96%+6 bps YoY

Net Interest Margin (quarter, annualized)

2.49%+26 bps YoY

Efficiency Ratio (quarter, annualized)

57.14%-461 bps YoY

Tier 1 Leverage Ratio

10.25%-39 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.90%1.07%0.77%1.03%0.96%+6 bps
Return on Equity10.62%12.15%8.50%11.49%10.80%+18 bps
Net Interest Margin2.23%2.38%2.42%2.39%2.49%+26 bps
Efficiency Ratio61.75%57.05%67.13%57.82%57.14%-461 bps
Non-Interest Burden1.09%0.98%1.37%1.06%1.07%-2 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 / Loans0.02%0.03%0.01%-0.05%0.00%-2 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