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Peoples Bank, The

Marion, KY · Cert 16603 · Peoples-Marion Bcorp Inc.

State charter, Fed member · FED · 4 branches

Q2 2026

$135.3MAssets
$110.9MLoans
$119.4MDeposits
$15.3MEquity
Loan mix
81%RE $75.1M17%C&I $15.3M2%Consumer $2.1MQ2 2025Q2 2026
Deposit mix
88%Interest-bearing $105.2M12%Noninterest $14.2MQ2 2025Q2 2026

NIM

6.25%Q2 ’246.10%Q2 ’255.99%Q2 ’26-4%+3%

Non-interest income vs. expense

3.05%Q2 ’242.96%Q2 ’253.12%Q2 ’26-1%+2%

Executive Summary

  • Earnings: ROA of 0.87%, up 19 bps year over year; NIM at 3.78%.
  • Asset quality: problem loans at 0.23% of loans (-10 bps YoY), with net charge-offs at 0.12%.
  • Capital: tier 1 leverage ratio of 11.55%, up 101 bps from a year ago.
  • Funding: loans stand at 92.88% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.87%+19 bps YoY

Net Interest Margin (YTD, annualized)

3.78%+12 bps YoY

Efficiency Ratio (YTD, annualized)

73.18%-5 bps YoY

Tier 1 Leverage Ratio

11.55%+101 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.68%0.79%0.72%0.59%0.87%+19 bps
Return on Equity6.58%7.46%6.76%5.31%7.78%+120 bps
Net Interest Margin3.66%3.76%3.79%3.69%3.78%+12 bps
Efficiency Ratio73.23%72.02%73.77%77.65%73.18%-5 bps
Non-Interest Burden2.58%2.58%2.68%2.77%2.64%+6 bps
Growth
Asset Growth (YoY)8.50%-2.77%3.48%-1.17%-2.29%-1,079 bps
Loan Growth (YoY)-0.61%0.22%1.18%0.54%7.44%+805 bps
Deposit Growth (YoY)9.38%-3.13%3.23%-2.01%-3.45%-1,283 bps
Asset Quality
Nonperforming Loans / Loans0.33%0.33%0.32%0.22%0.23%-10 bps
Net Charge-Offs / Loans-0.10%0.15%0.11%0.24%0.12%+22 bps
Allowance / Loans1.66%1.55%1.55%1.53%1.50%-16 bps
Allowance Coverage of NPLs5.0x4.7x4.9x7.1x6.4x+1.4x
Capital
Tier 1 Leverage Ratio10.55%11.02%11.43%11.27%11.55%+101 bps
Total Risk-Based Capital10.55%11.02%11.43%11.27%11.55%+101 bps
Equity / Assets10.23%11.17%11.09%11.06%11.32%+109 bps
Liquidity & Funding
Loans / Deposits83.47%89.71%89.07%88.44%92.88%+941 bps
Liquid Assets / Assets2.98%1.38%1.43%1.75%0.83%-215 bps
CRE / Total Capitaln/a297%297%297%n/an/a