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Peoples Bank & Trust

Buford, GA · Cert 25795 · Peoples Banktrust Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area3

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 the Atlanta-Sandy Springs-Roswell, GA area (n=19 to 20). 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

7

Q2 2024Q2 2026peer median (50)

Asset Quality

87

Q2 2024Q2 2026peer median (50)

Profitability

50

Q2 2024Q2 2026peer median (50)

Liquidity

4

Q2 2024Q2 2026peer median

Efficiency

85

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 & Trust

Buford, GA · Cert 25795 · Peoples Banktrust Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$563.3MAssets
$295.6MLoans
$505.0MDeposits
$54.0MEquity
Loan mix
93%RE $255.4M6%C&I $16.1M1%Consumer $2.8MQ2 2025Q2 2026
Deposit mix
76%Interest-bearing $383.0M24%Noninterest $121.9MQ2 2025Q2 2026

NIM

4.68%Q2 ’244.86%Q2 ’254.94%Q2 ’26+7%+5%

Non-interest income vs. expense

2.05%Q2 ’242.01%Q2 ’251.77%Q2 ’26-2%-14%

Market Position · Atlanta-Sandy Springs-Roswell, GA · 2026 SOD (annual) · 0.2% share · #33 of 81 inst. · $0.5B of $255.1B

Executive Summary

  • Earnings: ROA of 1.41%, up 17 bps year over year; NIM at 3.63%.
  • Asset quality: problem loans at 0.16% of loans (-3 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.81%, up 45 bps from a year ago.
  • Funding: loans stand at 58.53% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.41%+17 bps YoY

Net Interest Margin (YTD, annualized)

3.63%+18 bps YoY

Efficiency Ratio (YTD, annualized)

46.08%-875 bps YoY

Tier 1 Leverage Ratio

10.81%+45 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.25%1.20%1.25%1.40%1.41%+17 bps
Return on Equity15.83%14.88%15.14%15.87%15.57%-26 bps
Net Interest Margin3.46%3.44%3.49%3.54%3.63%+18 bps
Efficiency Ratio54.83%54.13%53.48%47.11%46.08%-875 bps
Non-Interest Burden1.80%1.77%1.77%1.55%1.56%-25 bps
Growth
Asset Growth (YoY)4.56%7.23%4.24%4.28%1.66%-290 bps
Loan Growth (YoY)14.18%0.63%-0.03%10.02%19.62%+545 bps
Deposit Growth (YoY)3.33%6.34%2.76%3.20%-0.02%-335 bps
Asset Quality
Nonperforming Loans / Loans0.19%0.19%0.46%0.43%0.16%-3 bps
Net Charge-Offs / Loans0.00%-0.27%-0.21%0.00%0.00%0 bps
Allowance / Loans1.00%1.24%1.20%1.14%1.03%+3 bps
Allowance Coverage of NPLs5.3x6.6x2.6x2.6x6.6x+1.3x
Capital
Tier 1 Leverage Ratio10.36%10.58%10.66%10.73%10.81%+45 bps
Total Risk-Based Capital10.36%10.58%10.66%10.73%10.81%+45 bps
Equity / Assets8.14%8.72%9.01%8.67%9.58%+145 bps
Liquidity & Funding
Loans / Deposits48.92%48.87%52.48%51.80%58.53%+961 bps
Liquid Assets / Assets27.71%27.83%23.80%26.72%22.81%-490 bps
CRE / Total Capitaln/a257%270%279%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 & Trust

Buford, GA · Cert 25795 · Peer group: banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (n=19-20) · Peoples Banktrust Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$563.3MAssets
$295.6MLoans
$505.0MDeposits
$54.0MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (rank 7 of 19).
  • Widest gap: total risk-based capital ratio trails 100% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (rank 20 of 20).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.42%

Rank 10 of 20

Net Interest Margin

3.63%

Rank 13 of 20

Efficiency Ratio

46.08%

Rank 4 of 20

Equity / Assets

9.58%

Rank 16 of 20

Non-interest income vs. expense

$1.2M$10.1MINCOMEEXPENSE
Unfavorable gap of $8.9M · efficiency ratio beats 85% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area
Bank 46.08%Peer median 61.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.42%1.08%1.42%1.85%Beats 50%10 / 20
Return on Equity14.79%9.57%13.48%17.30%Beats 65%7 / 20
Net Interest Margin3.63%3.38%3.99%4.50%Beats 35%13 / 20
Efficiency Ratio46.08%47.39%61.42%73.60%Beats 85%4 / 20
Asset Quality
Nonperforming Loans / Loans0.16%0.05%0.79%1.63%Beats 74%6 / 19
Net Charge-Offs / Loans0.00%n/a0.00%0.03%Beats 100%7 / 19
Capital
Tier 1 Capital Ratio10.81%13.64%16.79%19.57%Beats 0%20 / 20
Total Risk-Based Capital Ratio10.81%14.77%17.61%20.82%Beats 0%20 / 20
Equity / Assets9.58%9.66%10.94%13.62%Beats 20%16 / 20
Liquidity & Funding
Loans / Deposits58.53%70.35%84.66%95.83%15th pctl17 / 20
Loans / Assets52.47%62.58%72.89%77.86%15th pctl17 / 20
Brokered Deposits / Depositsn/aNot reported for this institution