Eatonton, GA · Cert 16152 · Peoples Bankshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.10% | 1.17% | 1.21% | 1.64% | 1.46% | +36 bps | |
| Return on Equity | 10.64% | 11.22% | 11.43% | 14.59% | 12.89% | +225 bps | |
| Net Interest Margin | 4.79% | 4.65% | 4.79% | 4.72% | 4.74% | -5 bps | |
| Efficiency Ratio | 69.69% | 68.74% | 67.72% | 61.96% | 65.07% | -462 bps | |
| Non-Interest Burden | 3.23% | 3.10% | 3.14% | 2.64% | 2.90% | -33 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.12% | 8.68% | 1.88% | 7.23% | 0.77% | -935 bps | |
| Loan Growth (YoY) | 6.77% | 6.59% | 11.68% | 10.55% | 12.56% | +579 bps | |
| Deposit Growth (YoY) | 9.88% | 8.11% | 0.62% | 6.70% | -0.52% | -1,040 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.02% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.03% | -0.03% | -0.22% | -0.11% | -11 bps | |
| Allowance / Loans | 1.52% | 1.50% | 1.49% | 1.53% | 1.51% | -1 bps | |
| Allowance Coverage of NPLs | 314.8x | 61.6x | 499.3x | 630.6x | 791.8x | +477.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.80% | 10.59% | 11.14% | 11.47% | 11.67% | +87 bps | |
| Total Risk-Based Capital | 10.80% | 10.59% | 11.14% | 11.47% | 11.67% | +87 bps | |
| Equity / Assets | 10.30% | 10.52% | 11.44% | 11.06% | 11.51% | +121 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 79.14% | 81.06% | 89.80% | 85.96% | 89.54% | +1,040 bps | |
| Liquid Assets / Assets | 17.54% | 16.86% | 7.95% | 13.46% | 10.78% | -676 bps | |
| CRE / Total Capital | n/a | 458% | 476% | 475% | n/a | n/a | |