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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

4.39%Q2 ’244.35%Q2 ’254.24%Q2 ’26+2%-1%

Non-interest income vs. expense

2.89%Q2 ’242.81%Q2 ’252.83%Q2 ’26-2%+0%

Executive Summary

  • Earnings: ROA of 0.60%, down 2 bps year over year; NIM at 2.97%.
  • Asset quality: problem loans at 0.89% of loans (-20 bps YoY), with net charge-offs at 0.05%.
  • 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 (quarter, annualized)

0.60%-2 bps YoY

Net Interest Margin (quarter, annualized)

2.97%-3 bps YoY

Efficiency Ratio (quarter, annualized)

78.74%+95 bps YoY

Tier 1 Leverage Ratio

12.45%+30 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.62%0.82%0.42%0.51%0.60%-2 bps
Return on Equity5.20%6.45%3.21%4.04%4.83%-38 bps
Net Interest Margin3.00%2.89%2.87%2.66%2.97%-3 bps
Efficiency Ratio77.79%72.74%84.83%80.95%78.74%+95 bps
Non-Interest Burden2.20%1.85%2.34%2.03%2.21%+1 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%0.00%-0.02%0.00%0.05%+7 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