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Peoples Bank of Alabama

Cullman, AL · Cert 22537 · Altrust Financial Services Inc.

State charter, non-member · FDIC · 28 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

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 $1B-$10B in assets (n=322 to 328). 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

67

Q2 2024Q2 2026peer median (50)

Asset Quality

39

Q2 2024Q2 2026peer median (50)

Profitability

84

Q2 2024Q2 2026peer median (50)

Liquidity

34

Q2 2024Q2 2026peer median

Efficiency

43

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 of Alabama

Cullman, AL · Cert 22537 · Altrust Financial Services Inc.

State charter, non-member · FDIC · 28 branches

Q2 2026

$1.4BAssets
$923.0MLoans
$1.3BDeposits
$143.7MEquity
Loan mix
77%RE $700.0M21%C&I $191.2M1%Consumer $12.7MQ3 2024Q2 2026
Deposit mix
66%Interest-bearing $835.3M34%Noninterest $435.4MQ3 2024Q2 2026

Market Position · Birmingham, AL · 2026 SOD (annual) · 0.6% share · #23 of 49 inst. · $0.3B of $53.8B

11.5% Cullman
9.3% Morgan
8.3% Marshall
0.4% Jefferson

Executive Summary

  • Earnings: ROA of 1.58%, down 4 bps year over year; NIM at 4.28%.
  • Asset quality: problem loans at 0.56% of loans (+40 bps YoY), with net charge-offs at 0.09%.
  • Capital: tier 1 leverage ratio of 11.19%, up 59 bps from a year ago.
  • Funding: loans stand at 72.64% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.58%-4 bps YoY

Net Interest Margin (YTD, annualized)

4.28%-6 bps YoY

Efficiency Ratio (YTD, annualized)

61.38%+121 bps YoY

Tier 1 Leverage Ratio

11.19%+59 bps YoY

NIM

5.77%Q2 ’245.68%Q2 ’255.46%Q2 ’26-3%-1%

Non-interest income vs. expense

3.39%Q2 ’243.20%Q2 ’253.24%Q2 ’26-4%+1%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.58%1.55%1.56%1.62%1.64%1.66%1.48%1.58%-4 bps
Return on Equity18.98%18.48%17.93%18.58%18.36%18.16%14.76%15.75%-283 bps
Net Interest Margin4.41%4.35%4.28%4.34%4.30%4.25%4.25%4.28%-6 bps
Efficiency Ratio60.73%61.17%61.25%60.16%59.98%59.84%63.39%61.38%+121 bps
Non-Interest Burden2.26%2.26%2.24%2.22%2.19%2.16%2.33%2.24%+2 bps
Growth
Asset Growth (YoY)5.92%6.43%8.20%7.04%5.91%4.11%0.95%0.09%-695 bps
Loan Growth (YoY)3.65%2.50%0.54%2.82%3.49%3.36%5.20%4.78%+196 bps
Deposit Growth (YoY)3.91%5.70%7.49%6.49%5.35%2.72%-0.47%-1.35%-783 bps
Asset Quality
Nonperforming Loans / Loans0.15%0.20%0.23%0.16%0.15%0.19%0.46%0.56%+40 bps
Net Charge-Offs / Loans0.03%0.09%0.03%0.06%0.08%0.07%0.06%0.09%+3 bps
Allowance / Loans1.80%1.75%1.74%1.73%1.69%1.66%1.63%1.62%-11 bps
Allowance Coverage of NPLs11.8x9.0x7.7x11.0x11.5x8.6x3.6x2.9x-8.2x
Capital
Tier 1 Leverage Ratio10.47%10.73%10.59%10.60%10.66%11.00%11.17%11.19%+59 bps
Total Risk-Based Capital15.66%15.89%15.96%16.22%16.46%17.03%16.83%16.98%+77 bps
Equity / Assets8.88%8.78%8.64%8.78%9.45%10.09%10.00%10.09%+130 bps
Liquidity & Funding
Loans / Deposits71.03%71.75%68.29%68.39%69.78%72.20%72.17%72.64%+425 bps
Liquid Assets / Assets14.02%13.25%17.26%17.81%16.36%14.24%14.22%13.75%-406 bps
CRE / Total Capitaln/an/an/an/a334%332%333%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 of Alabama

Cullman, AL · Cert 22537 · Peer group: banks $1B-$10B in assets (n=322-328) · Altrust Financial Services Inc.

State charter, non-member · FDIC · 28 branches

Q2 2026

$1.4BAssets
$923.0MLoans
$1.3BDeposits
$143.7MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 89% of banks $1B-$10B in assets (rank 35 of 328).
  • Widest gap: net charge-offs / loans trails 70% of banks $1B-$10B in assets (rank 227 of 322).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.58%

Rank 72 of 328

Net Interest Margin

4.28%

Rank 35 of 328

Efficiency Ratio

61.61%

Rank 188 of 328

Equity / Assets

10.09%

Rank 178 of 328

Non-interest income vs. expense

$14.5M$46.9MINCOMEEXPENSE
Unfavorable gap of $32.4M · efficiency ratio beats 43% of banks $1B-$10B in assets
Bank 61.61%Peer median 59.6%Q2 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.58%0.91%1.22%1.52%Beats 78%72 / 328
Return on Equity15.67%8.43%11.45%14.43%Beats 84%51 / 328
Net Interest Margin4.28%3.03%3.45%3.83%Beats 89%35 / 328
Efficiency Ratio61.61%51.61%59.56%67.53%Beats 43%188 / 328
Asset Quality
Nonperforming Loans / Loans0.56%0.24%0.51%1.03%Beats 47%172 / 322
Net Charge-Offs / Loans0.08%0.01%0.03%0.10%Beats 30%227 / 322
Capital
Tier 1 Capital Ratio15.73%11.75%13.15%15.47%Beats 77%75 / 328
Total Risk-Based Capital Ratio16.98%12.63%14.15%16.46%Beats 79%68 / 328
Equity / Assets10.09%9.15%10.33%12.01%Beats 46%178 / 328
Liquidity & Funding
Loans / Deposits72.64%76.63%87.92%95.36%20th pctl260 / 323
Loans / Assets64.78%65.18%74.15%79.98%24th pctl250 / 328
Brokered Deposits / Depositsn/aNot reported for this institution