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Peoples Bank, The

Willacoochee, GA · Cert 17073 · Atkinson Cnty Bankshares Corp.

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

39

Q2 2024Q2 2026peer median (50)

Asset Quality

37

Q2 2024Q2 2026peer median (50)

Profitability

11

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

14

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

Willacoochee, GA · Cert 17073 · Atkinson Cnty Bankshares Corp.

State charter, non-member · FDIC · 2 branches

Q2 2026

$109.3MAssets
$37.3MLoans
$95.2MDeposits
$13.9MEquity
Loan mix
82%RE $28.8M6%C&I $2.2M12%Consumer $4.4MQ2 2025Q2 2026
Deposit mix
72%Interest-bearing $68.4M28%Noninterest $26.8MQ2 2025Q2 2026

NIM

4.14%Q2 ’244.27%Q2 ’254.09%Q2 ’26-1%-2%

Non-interest income vs. expense

2.87%Q2 ’242.77%Q2 ’252.76%Q2 ’26-2%-3%

Executive Summary

  • Earnings: ROA of 0.56%, up 1 bps year over year; NIM at 2.81%.
  • Asset quality: problem loans at 0.89% of loans (-20 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 12.45%, up 30 bps from a year ago.
  • Funding: loans stand at 39.22% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.56%+1 bps YoY

Net Interest Margin (YTD, annualized)

2.81%-6 bps YoY

Efficiency Ratio (YTD, annualized)

79.80%+1 bps YoY

Tier 1 Leverage Ratio

12.45%+30 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.55%0.63%0.58%0.51%0.56%+1 bps
Return on Equity4.57%5.20%4.71%4.04%4.43%-14 bps
Net Interest Margin2.88%2.95%2.96%2.66%2.81%-6 bps
Efficiency Ratio79.79%77.35%79.13%80.95%79.80%+1 bps
Non-Interest Burden2.17%2.12%2.20%2.03%2.11%-6 bps
Growth
Asset Growth (YoY)7.95%5.53%-4.88%-1.06%0.06%-789 bps
Loan Growth (YoY)-4.44%-0.67%6.13%3.65%6.73%+1,116 bps
Deposit Growth (YoY)8.75%5.88%-5.98%-1.68%-0.44%-918 bps
Asset Quality
Nonperforming Loans / Loans1.09%1.09%1.05%0.98%0.89%-20 bps
Net Charge-Offs / Loans-0.01%-0.01%-0.01%0.00%0.03%+4 bps
Allowance / Loans0.72%0.69%0.68%0.68%0.66%-5 bps
Allowance Coverage of NPLs0.7x0.6x0.6x0.7x0.7x+0.1x
Capital
Tier 1 Leverage Ratio12.15%12.78%13.10%12.44%12.45%+30 bps
Total Risk-Based Capital12.15%12.78%13.10%12.44%12.45%+30 bps
Equity / Assets12.26%13.05%12.98%12.27%12.70%+44 bps
Liquidity & Funding
Loans / Deposits36.59%40.04%40.23%37.57%39.22%+263 bps
Liquid Assets / Assets63.32%59.92%59.51%62.22%60.63%-269 bps
CRE / Total Capitaln/a46.77%46.70%47.90%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

Willacoochee, GA · Cert 17073 · Peer group: banks under $1B in assets in GA (n=58-59) · Atkinson Cnty Bankshares Corp.

State charter, non-member · FDIC · 2 branches

Q2 2026

$109.3MAssets
$37.3MLoans
$95.2MDeposits
$13.9MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 61% of banks under $1B in assets in GA (rank 23 of 59).
  • Widest gap: net interest margin trails 92% of banks under $1B in assets in GA (rank 54 of 59).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.56%

Rank 51 of 59

Net Interest Margin

2.81%

Rank 54 of 59

Efficiency Ratio

79.80%

Rank 52 of 59

Equity / Assets

12.70%

Rank 23 of 59

Non-interest income vs. expense

$0.7M$3.1MINCOMEEXPENSE
Unfavorable gap of $2.4M · efficiency ratio beats 14% of banks under $1B in assets in GA
Bank 79.80%Peer median 60.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.56%0.94%1.46%1.76%Beats 14%51 / 59
Return on Equity4.41%7.92%11.60%15.10%Beats 12%52 / 59
Net Interest Margin2.81%3.66%4.24%4.75%Beats 8%54 / 59
Efficiency Ratio79.80%51.87%60.25%70.24%Beats 14%52 / 59
Asset Quality
Nonperforming Loans / Loans0.89%0.10%0.36%0.89%Beats 26%44 / 58
Net Charge-Offs / Loans0.02%0.00%0.02%0.05%Beats 48%31 / 58
Capital
Tier 1 Capital Ratio12.45%11.93%15.65%21.05%Beats 29%42 / 59
Total Risk-Based Capital Ratio12.45%12.05%15.77%22.26%Beats 27%43 / 59
Equity / Assets12.70%9.10%11.51%14.32%Beats 61%23 / 59
Liquidity & Funding
Loans / Deposits39.22%59.62%72.81%85.44%5th pctl55 / 58
Loans / Assets34.14%49.55%64.39%73.73%7th pctl55 / 59
Brokered Deposits / Depositsn/aNot reported for this institution