Eatonton, GA · Cert 16152 · Peoples Bankshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.15% | 1.08% | 1.04% | 1.18% | 1.28% | 1.32% | 1.64% | 1.27% | +9 bps | |
| Return on Equity | 11.33% | 10.52% | 9.96% | 11.31% | 12.34% | 12.03% | 14.59% | 11.23% | -8 bps | |
| Net Interest Margin | 4.76% | 4.77% | 4.76% | 4.97% | 4.85% | 4.93% | 4.72% | 4.82% | -15 bps | |
| Efficiency Ratio | 68.85% | 71.70% | 71.06% | 68.41% | 66.93% | 64.77% | 61.96% | 68.36% | -5 bps | |
| Non-Interest Burden | 3.17% | 3.32% | 3.27% | 3.30% | 3.14% | 3.09% | 2.64% | 3.20% | -10 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 / Loans | 0.00% | 0.10% | 0.01% | 0.00% | 0.02% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | -0.09% | -0.03% | -0.22% | 0.00% | 0 bps | |
| Allowance / Loans | 1.50% | 1.52% | 1.50% | 1.52% | 1.50% | 1.49% | 1.53% | 1.51% | -1 bps | |
| Allowance Coverage of NPLs | 340.3x | 14.6x | 278.4x | 314.8x | 61.6x | 499.3x | 630.6x | 791.8x | +477.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.57% | 10.57% | 10.86% | 10.80% | 10.59% | 11.14% | 11.47% | 11.67% | +87 bps | |
| Total Risk-Based Capital | 10.57% | 10.57% | 10.86% | 10.80% | 10.59% | 11.14% | 11.47% | 11.67% | +87 bps | |
| Equity / Assets | 10.23% | 10.31% | 10.50% | 10.30% | 10.52% | 11.44% | 11.06% | 11.51% | +121 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.21% | 80.91% | 82.96% | 79.14% | 81.06% | 89.80% | 85.96% | 89.54% | +1,040 bps | |
| Liquid Assets / Assets | 14.53% | 15.83% | 14.63% | 17.54% | 16.86% | 7.95% | 13.46% | 10.78% | -676 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 458% | 476% | 475% | n/a | n/a | |