Boaz, AL · Cert 27233 · Peoples Ind Bancshares Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
41
Asset Quality
51
Profitability
62
Liquidity
0
Efficiency
70
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.
Boaz, AL · Cert 27233 · Peoples Ind Bancshares Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
Market Position · Gadsden, AL · 2026 SOD (annual) · 1.9% share · #11 of 12 inst. · $0.0B of $1.5B
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 | 1.60% | 1.57% | 1.32% | 1.37% | 1.38% | 1.38% | 1.31% | 1.34% | -3 bps | |
| Return on Equity | 20.84% | 20.26% | 16.20% | 16.82% | 16.83% | 16.74% | 15.59% | 15.98% | -84 bps | |
| Net Interest Margin | 3.63% | 3.65% | 3.41% | 3.45% | 3.57% | 3.50% | 3.41% | 3.35% | -10 bps | |
| Efficiency Ratio | 51.31% | 51.72% | 56.69% | 55.30% | 54.73% | 55.15% | 60.63% | 56.63% | +133 bps | |
| Non-Interest Burden | 1.61% | 1.65% | 1.74% | 1.70% | 1.75% | 1.74% | 1.91% | 1.72% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.71% | -2.26% | 1.96% | 3.30% | 7.70% | 5.39% | 6.00% | 5.22% | +192 bps | |
| Loan Growth (YoY) | 1.78% | 0.03% | 0.75% | 2.23% | 6.47% | 3.23% | 5.04% | -1.24% | -347 bps | |
| Deposit Growth (YoY) | 2.30% | 6.38% | 3.87% | 5.88% | 8.13% | 4.87% | 6.12% | 5.11% | -77 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.41% | 0.39% | 0.28% | 0.19% | 0.15% | 0.16% | 0.27% | 0.30% | +12 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.07% | 0.05% | 0.04% | 0.04% | 0.03% | 0.05% | 0.04% | 0 bps | |
| Allowance / Loans | 1.01% | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | 0.90% | 0.94% | -6 bps | |
| Allowance Coverage of NPLs | 2.5x | 2.5x | 3.6x | 5.4x | 6.7x | 6.4x | 3.3x | 3.1x | -2.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.47% | 9.50% | 9.56% | 9.56% | 9.68% | 9.47% | 9.47% | 9.41% | -15 bps | |
| Total Risk-Based Capital | 15.49% | 16.01% | 16.28% | 15.26% | 15.55% | 16.23% | 15.03% | 14.67% | -59 bps | |
| Equity / Assets | 8.57% | 8.05% | 8.22% | 8.19% | 8.30% | 8.55% | 8.20% | 8.42% | +23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 47.67% | 46.59% | 45.69% | 45.71% | 46.94% | 45.87% | 45.22% | 42.95% | -276 bps | |
| Liquid Assets / Assets | 10.17% | 10.03% | 11.25% | 8.10% | 8.89% | 10.00% | 10.16% | 8.11% | +1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 259% | 264% | 268% | n/a | n/a | |
Boaz, AL · Cert 27233 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Peoples Ind Bancshares Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
Return on Assets
1.33%
Rank 239 of 746
Net Interest Margin
3.35%
Rank 507 of 746
Efficiency Ratio
57.38%
Rank 224 of 746
Equity / Assets
8.42%
Rank 608 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.33% | 0.72% | 1.06% | 1.45% | Beats 68% | 239 / 746 | ||
| Return on Equity | 15.83% | 6.74% | 10.51% | 13.63% | Beats 87% | 99 / 746 | ||
| Net Interest Margin | 3.35% | 3.17% | 3.68% | 4.16% | Beats 32% | 507 / 746 | ||
| Efficiency Ratio | 57.38% | 55.74% | 64.58% | 75.47% | Beats 70% | 224 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.30% | 0.09% | 0.42% | 1.07% | Beats 59% | 303 / 743 | ||
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.05% | Beats 42% | 433 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.06% | 11.55% | 13.75% | 17.60% | Beats 53% | 353 / 746 | ||
| Total Risk-Based Capital Ratio | 14.67% | 11.71% | 14.33% | 18.43% | Beats 52% | 359 / 746 | ||
| Equity / Assets | 8.42% | 8.90% | 10.51% | 13.06% | Beats 18% | 608 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 42.95% | 61.31% | 78.27% | 90.78% | 6th pctl | 700 / 746 | ||
| Loans / Assets | 39.03% | 53.60% | 66.97% | 76.08% | 8th pctl | 685 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||