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Peoples Bank

Paris, TX · Cert 27398 · Texas Peoples Natl Bancshares

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in TX3

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 TX (n=208 to 211). 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

6

Q2 2024Q2 2026peer median (50)

Asset Quality

44

Q2 2024Q2 2026peer median (50)

Profitability

66

Q2 2024Q2 2026peer median (50)

Liquidity

9

Q2 2024Q2 2026peer median

Efficiency

64

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

Paris, TX · Cert 27398 · Texas Peoples Natl Bancshares

State charter, non-member · FDIC · 2 branches

Q2 2026

$185.4MAssets
$148.0MLoans
$168.4MDeposits
$15.3MEquity
Loan mix
94%RE $133.3M5%C&I $7.5M1%Consumer $1.3MQ3 2024Q2 2026
Deposit mix
74%Interest-bearing $124.3M26%Noninterest $44.0MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.44%, up 16 bps year over year; NIM at 3.71%.
  • Asset quality: problem loans at 0.25% of loans (-8 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 9.56%, down 32 bps from a year ago.
  • Funding: loans stand at 87.88% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.44%+16 bps YoY

Net Interest Margin (YTD, annualized)

3.71%+16 bps YoY

Efficiency Ratio (YTD, annualized)

58.57%-479 bps YoY

Tier 1 Leverage Ratio

9.56%-32 bps YoY

NIM

4.78%Q2 ’245.03%Q2 ’255.22%Q2 ’26+14%+5%

Non-interest income vs. expense

2.81%Q2 ’242.75%Q2 ’252.60%Q2 ’26+1%-4%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.98%1.03%1.19%1.28%1.31%1.37%1.41%1.44%+16 bps
Return on Equity12.79%13.49%15.24%16.20%16.39%16.88%16.98%17.38%+118 bps
Net Interest Margin3.15%3.16%3.46%3.54%3.60%3.55%3.75%3.71%+16 bps
Efficiency Ratio72.23%70.36%65.15%63.36%62.65%61.47%58.97%58.57%-479 bps
Non-Interest Burden2.03%1.96%1.98%1.95%1.95%1.88%1.90%1.87%-8 bps
Growth
Asset Growth (YoY)-6.70%-3.27%-0.14%2.24%5.82%5.94%7.49%7.73%+548 bps
Loan Growth (YoY)-6.01%-3.53%-0.71%3.37%8.83%12.09%6.50%7.18%+382 bps
Deposit Growth (YoY)3.61%3.88%5.67%4.08%5.69%5.11%7.18%13.03%+895 bps
Asset Quality
Nonperforming Loans / Loans0.24%0.23%0.22%0.33%0.26%0.29%0.09%0.25%-8 bps
Net Charge-Offs / Loans0.00%0.01%0.00%0.01%0.02%0.01%0.05%0.03%+2 bps
Allowance / Loans0.89%0.87%0.85%0.83%0.81%0.82%0.85%0.83%0 bps
Allowance Coverage of NPLs3.8x3.8x3.8x2.5x3.1x2.8x9.2x3.4x+0.9x
Capital
Tier 1 Leverage Ratio9.87%9.78%9.91%9.87%9.99%9.71%9.80%9.56%-32 bps
Total Risk-Based Capital9.87%9.78%9.91%9.87%9.99%9.71%9.80%9.56%-32 bps
Equity / Assets8.31%7.74%7.85%8.13%8.33%8.46%8.10%8.26%+14 bps
Liquidity & Funding
Loans / Deposits85.77%84.78%85.13%92.67%88.32%90.41%84.60%87.88%-479 bps
Liquid Assets / Assets0.57%0.59%0.52%0.51%0.45%0.45%0.43%0.30%-21 bps
CRE / Total Capitaln/an/an/an/a224%217%190.37%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

Paris, TX · Cert 27398 · Peer group: banks under $1B in assets in TX (n=208-211) · Texas Peoples Natl Bancshares

State charter, non-member · FDIC · 2 branches

Q2 2026

$185.4MAssets
$148.0MLoans
$168.4MDeposits
$15.3MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 87% of banks under $1B in assets in TX (rank 28 of 211).
  • Widest gap: total risk-based capital ratio trails 96% of banks under $1B in assets in TX (rank 202 of 211).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.42%

Rank 71 of 211

Net Interest Margin

3.71%

Rank 118 of 211

Efficiency Ratio

58.57%

Rank 78 of 211

Equity / Assets

8.26%

Rank 191 of 211

Non-interest income vs. expense

$1.4M$4.9MINCOMEEXPENSE
Unfavorable gap of $3.5M · efficiency ratio beats 64% of banks under $1B in assets in TX
Bank 58.57%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.42%0.87%1.20%1.65%Beats 66%71 / 211
Return on Equity17.12%7.52%11.67%14.58%Beats 87%28 / 211
Net Interest Margin3.71%3.28%3.82%4.31%Beats 44%118 / 211
Efficiency Ratio58.57%53.01%64.18%73.65%Beats 64%78 / 211
Asset Quality
Nonperforming Loans / Loans0.25%0.01%0.30%1.10%Beats 54%97 / 208
Net Charge-Offs / Loans0.03%0.00%0.01%0.06%Beats 33%141 / 208
Capital
Tier 1 Capital Ratio9.56%11.72%14.45%19.57%Beats 5%201 / 211
Total Risk-Based Capital Ratio9.56%11.94%14.78%20.30%Beats 4%202 / 211
Equity / Assets8.26%9.41%11.06%12.94%Beats 9%191 / 211
Liquidity & Funding
Loans / Deposits87.88%45.39%66.56%82.03%87th pctl28 / 208
Loans / Assets79.82%39.13%56.90%70.46%94th pctl12 / 211
Brokered Deposits / Depositsn/aNot reported for this institution