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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

4.74%Q2 ’244.97%Q2 ’255.13%Q2 ’26+10%+7%

Non-interest income vs. expense

2.10%Q2 ’241.96%Q2 ’251.82%Q2 ’26-7%-9%

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 1.40%, up 9 bps year over year; NIM at 3.82%.
  • 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 (quarter, annualized)

1.40%+9 bps YoY

Net Interest Margin (quarter, annualized)

3.82%+27 bps YoY

Efficiency Ratio (quarter, annualized)

45.13%-715 bps YoY

Tier 1 Leverage Ratio

10.81%+45 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.32%1.12%1.39%1.40%1.40%+9 bps
Return on Equity16.59%13.28%15.65%15.87%15.40%-119 bps
Net Interest Margin3.55%3.41%3.50%3.54%3.82%+27 bps
Efficiency Ratio52.29%52.72%51.51%47.11%45.13%-715 bps
Non-Interest Burden1.76%1.70%1.72%1.55%1.60%-16 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%-0.81%-0.06%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