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Peoples Bank of Graceville

Graceville, FL · Cert 21692 · PBG Financial Services Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$115.8MAssets
$42.7MLoans
$106.5MDeposits
$8.6MEquity
Loan mix
91%RE $35.7M5%C&I $1.9M4%Consumer $1.7MQ3 2024Q2 2026
Deposit mix
79%Interest-bearing $84.1M21%Noninterest $22.4MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.80%, up 20 bps year over year; NIM at 2.36%.
  • Asset quality: problem loans at 0.34% of loans (+34 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 10.29%, down 39 bps from a year ago.
  • Funding: loans stand at 40.09% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.80%+20 bps YoY

Net Interest Margin (YTD, annualized)

2.36%+18 bps YoY

Efficiency Ratio (YTD, annualized)

63.00%-602 bps YoY

Tier 1 Leverage Ratio

10.29%-39 bps YoY

NIM

3.94%Q2 ’244.02%Q2 ’253.99%Q2 ’26+4%+8%

Non-interest income vs. expense

1.63%Q2 ’241.70%Q2 ’251.68%Q2 ’26+4%-3%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.56%0.56%0.58%0.60%0.62%0.68%0.76%0.80%+20 bps
Return on Equity11.17%10.99%9.93%9.96%10.00%10.74%10.98%11.33%+137 bps
Net Interest Margin2.10%2.14%2.14%2.18%2.20%2.20%2.31%2.36%+18 bps
Efficiency Ratio69.55%69.63%69.61%69.02%67.77%66.20%63.96%63.00%-602 bps
Non-Interest Burden1.38%1.41%1.41%1.42%1.40%1.36%1.37%1.37%-4 bps
Growth
Asset Growth (YoY)2.81%-1.91%-5.33%-5.74%1.81%-0.77%3.98%4.29%+1,003 bps
Loan Growth (YoY)-0.12%1.56%0.76%-2.04%5.09%1.90%0.75%7.61%+965 bps
Deposit Growth (YoY)1.06%-3.49%-9.08%-7.23%0.83%-1.89%5.56%3.31%+1,054 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.01%0.00%0.00%0.00%0.00%0.35%0.34%+34 bps
Net Charge-Offs / Loans0.02%0.01%-0.08%-0.03%-0.03%-0.02%0.03%0.02%+5 bps
Allowance / Loans0.95%0.94%0.93%0.95%0.92%0.94%0.92%0.89%-7 bps
Allowance Coverage of NPLsn/a186.5xn/an/an/an/a2.6x2.6xn/a
Capital
Tier 1 Leverage Ratio10.58%10.55%10.48%10.68%10.69%10.09%10.21%10.29%-39 bps
Total Risk-Based Capital31.02%29.95%30.89%32.43%30.99%30.66%30.39%31.22%-120 bps
Equity / Assets5.71%5.60%6.11%6.51%6.57%6.94%6.93%7.41%+90 bps
Liquidity & Funding
Loans / Deposits35.92%37.45%39.59%38.49%37.44%38.90%37.79%40.09%+160 bps
Liquid Assets / Assets50.34%47.93%47.42%48.46%47.40%45.82%47.15%44.10%-436 bps
CRE / Total Capitaln/an/an/an/a49.50%52.19%54.02%n/an/a