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Peoples Bank, The

Eatonton, GA · Cert 16152 · Peoples Bankshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in GA3

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 in GA (n=58 to 59). 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

29

Q2 2024Q2 2026peer median (50)

Asset Quality

99

Q2 2024Q2 2026peer median (50)

Profitability

58

Q2 2024Q2 2026peer median (50)

Liquidity

23

Q2 2024Q2 2026peer median

Efficiency

34

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

Eatonton, GA · Cert 16152 · Peoples Bankshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$269.7MAssets
$210.3MLoans
$234.8MDeposits
$31.0MEquity
Loan mix
95%RE $194.4M4%C&I $8.8M1%Consumer $2.2MQ3 2024Q2 2026
Deposit mix
63%Interest-bearing $148.0M37%Noninterest $86.9MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.46%, up 36 bps year over year; NIM at 4.74%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.11%.
  • Capital: tier 1 leverage ratio of 11.67%, up 87 bps from a year ago.
  • Funding: loans stand at 89.54% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.46%+36 bps YoY

Net Interest Margin (YTD, annualized)

4.74%-5 bps YoY

Efficiency Ratio (YTD, annualized)

65.07%-462 bps YoY

Tier 1 Leverage Ratio

11.67%+87 bps YoY

NIM

5.75%Q2 ’246.09%Q2 ’256.07%Q2 ’26+2%-1%

Non-interest income vs. expense

3.65%Q2 ’243.57%Q2 ’253.42%Q2 ’26-1%-10%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.07%1.08%1.04%1.10%1.17%1.21%1.64%1.46%+36 bps
Return on Equity10.44%10.47%9.96%10.64%11.22%11.43%14.59%12.89%+225 bps
Net Interest Margin4.59%4.55%4.76%4.79%4.65%4.79%4.72%4.74%-5 bps
Efficiency Ratio70.49%70.80%71.06%69.69%68.74%67.72%61.96%65.07%-462 bps
Non-Interest Burden3.13%3.12%3.27%3.23%3.10%3.14%2.64%2.90%-33 bps
Growth
Asset Growth (YoY)16.21%15.10%9.34%10.12%8.68%1.88%7.23%0.77%-935 bps
Loan Growth (YoY)20.07%11.32%11.40%6.77%6.59%11.68%10.55%12.56%+579 bps
Deposit Growth (YoY)16.16%15.25%8.72%9.88%8.11%0.62%6.70%-0.52%-1,040 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.10%0.01%0.00%0.02%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%-0.03%-0.03%-0.22%-0.11%-11 bps
Allowance / Loans1.50%1.52%1.50%1.52%1.50%1.49%1.53%1.51%-1 bps
Allowance Coverage of NPLs340.3x14.6x278.4x314.8x61.6x499.3x630.6x791.8x+477.0x
Capital
Tier 1 Leverage Ratio10.57%10.57%10.86%10.80%10.59%11.14%11.47%11.67%+87 bps
Total Risk-Based Capital10.57%10.57%10.86%10.80%10.59%11.14%11.47%11.67%+87 bps
Equity / Assets10.23%10.31%10.50%10.30%10.52%11.44%11.06%11.51%+121 bps
Liquidity & Funding
Loans / Deposits82.21%80.91%82.96%79.14%81.06%89.80%85.96%89.54%+1,040 bps
Liquid Assets / Assets14.53%15.83%14.63%17.54%16.86%7.95%13.46%10.78%-676 bps
CRE / Total Capitaln/an/an/an/a458%476%475%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

Eatonton, GA · Cert 16152 · Peer group: banks under $1B in assets in GA (n=58-59) · Peoples Bankshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$269.7MAssets
$210.3MLoans
$234.8MDeposits
$31.0MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in GA (rank 10 of 58).
  • Widest gap: total risk-based capital ratio trails 81% of banks under $1B in assets in GA (rank 48 of 59).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.44%

Rank 32 of 59

Net Interest Margin

4.74%

Rank 16 of 59

Efficiency Ratio

65.07%

Rank 40 of 59

Equity / Assets

11.51%

Rank 30 of 59

Non-interest income vs. expense

$1.4M$9.2MINCOMEEXPENSE
Unfavorable gap of $7.8M · efficiency ratio beats 34% of banks under $1B in assets in GA
Bank 65.07%Peer median 60.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.44%0.94%1.46%1.76%Beats 46%32 / 59
Return on Equity12.55%7.92%11.60%15.10%Beats 54%27 / 59
Net Interest Margin4.74%3.66%4.24%4.75%Beats 73%16 / 59
Efficiency Ratio65.07%51.87%60.25%70.24%Beats 34%40 / 59
Asset Quality
Nonperforming Loans / Loans0.00%0.10%0.36%0.89%Beats 97%3 / 58
Net Charge-Offs / Loans0.00%0.00%0.02%0.05%Beats 100%10 / 58
Capital
Tier 1 Capital Ratio11.67%11.93%15.65%21.05%Beats 20%47 / 59
Total Risk-Based Capital Ratio11.67%12.05%15.77%22.26%Beats 19%48 / 59
Equity / Assets11.51%9.10%11.51%14.32%Beats 49%30 / 59
Liquidity & Funding
Loans / Deposits89.54%59.62%72.81%85.44%84th pctl9 / 58
Loans / Assets77.98%49.55%64.39%73.73%85th pctl9 / 59
Brokered Deposits / Depositsn/aNot reported for this institution