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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.71% | 1.49% | 1.32% | 1.43% | 1.40% | 1.37% | 1.31% | 1.37% | -5 bps | |
| Return on Equity | 20.77% | 17.88% | 16.20% | 17.38% | 16.99% | 16.28% | 15.59% | 16.53% | -85 bps | |
| Net Interest Margin | 3.71% | 3.72% | 3.41% | 3.50% | 3.76% | 3.59% | 3.41% | 3.34% | -16 bps | |
| Efficiency Ratio | 50.83% | 52.95% | 56.69% | 53.94% | 53.67% | 56.35% | 60.63% | 52.61% | -133 bps | |
| Non-Interest Burden | 1.60% | 1.78% | 1.74% | 1.67% | 1.83% | 1.83% | 1.91% | 1.56% | -11 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 | 0.01% | 0.23% | 0.05% | 0.03% | 0.04% | 0.02% | 0.05% | 0.02% | -1 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 | |