Buford, GA · Cert 25795 · Peoples Banktrust Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Atlanta-Sandy Springs-Roswell, GA · 2026 SOD (annual) · 0.2% share · #33 of 81 inst. · $0.5B of $255.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.07% | 1.13% | 1.16% | 1.25% | 1.20% | 1.25% | 1.40% | 1.41% | +17 bps | |
| Return on Equity | 14.78% | 15.46% | 14.98% | 15.83% | 14.88% | 15.14% | 15.87% | 15.57% | -26 bps | |
| Net Interest Margin | 3.33% | 3.37% | 3.44% | 3.46% | 3.44% | 3.49% | 3.54% | 3.63% | +18 bps | |
| Efficiency Ratio | 58.91% | 58.04% | 57.50% | 54.83% | 54.13% | 53.48% | 47.11% | 46.08% | -875 bps | |
| Non-Interest Burden | 1.88% | 1.87% | 1.89% | 1.80% | 1.77% | 1.77% | 1.55% | 1.56% | -25 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.82% | -1.07% | 5.97% | 4.56% | 7.23% | 4.24% | 4.28% | 1.66% | -290 bps | |
| Loan Growth (YoY) | 25.99% | 33.88% | 24.91% | 14.18% | 0.63% | -0.03% | 10.02% | 19.62% | +545 bps | |
| Deposit Growth (YoY) | -5.48% | -1.97% | 5.98% | 3.33% | 6.34% | 2.76% | 3.20% | -0.02% | -335 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.20% | 0.19% | 0.19% | 0.19% | 0.19% | 0.46% | 0.43% | 0.16% | -3 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | -0.27% | -0.21% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.88% | 0.95% | 0.97% | 1.00% | 1.24% | 1.20% | 1.14% | 1.03% | +3 bps | |
| Allowance Coverage of NPLs | 4.4x | 5.1x | 5.1x | 5.3x | 6.6x | 2.6x | 2.6x | 6.6x | +1.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.15% | 10.23% | 10.31% | 10.36% | 10.58% | 10.66% | 10.73% | 10.81% | +45 bps | |
| Total Risk-Based Capital | 10.15% | 10.23% | 10.31% | 10.36% | 10.58% | 10.66% | 10.73% | 10.81% | +45 bps | |
| Equity / Assets | 8.00% | 7.74% | 7.73% | 8.14% | 8.72% | 9.01% | 8.67% | 9.58% | +145 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 51.64% | 53.94% | 48.59% | 48.92% | 48.87% | 52.48% | 51.80% | 58.53% | +961 bps | |
| Liquid Assets / Assets | 25.14% | 25.15% | 30.11% | 27.71% | 27.83% | 23.80% | 26.72% | 22.81% | -490 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 257% | 270% | 279% | n/a | n/a | |