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Peoples Bank of Bedford County

Shelbyville, TN · Cert 35604

FDIC · 1 branch

Q4 2024

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q4 2024, the quarter ended December 31, 2024, 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 (n=553 to 605). 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

51

Q2 2024Q4 2024peer median (50)

Asset Quality

60

Q2 2024Q4 2024peer median (50)

Profitability

67

Q2 2024Q4 2024peer median (50)

Liquidity

49

Q2 2024Q4 2024peer median

Efficiency

88

Q2 2024Q4 2024peer 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 of Bedford County

Shelbyville, TN · Cert 35604

FDIC · 1 branch

Q4 2024

$188.8MAssets
$105.0MLoans
$166.2MDeposits
$19.8MEquity
Loan mix
86%RE $79.5M7%C&I $6.6M7%Consumer $6.1MQ4 2023Q4 2024
Deposit mix
65%Interest-bearing $107.3M35%Noninterest $58.9MQ4 2023Q4 2024

NIM

3.67%Q4 ’224.45%Q4 ’234.96%Q4 ’24-2%-1%

Non-interest income vs. expense

2.07%Q4 ’222.13%Q4 ’231.96%Q4 ’24+3%-21%

Executive Summary

  • Earnings: ROA of 1.30%, up 29 bps year over year; NIM at 3.17%.
  • Asset quality: problem loans at 0.34% of loans (-13 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 13.74%, down 14 bps from a year ago.
  • Funding: loans stand at 63.15% of deposits as of Q4 2024.

Financial Results

Return on Assets (YTD, annualized)

1.30%+29 bps YoY

Net Interest Margin (YTD, annualized)

3.17%-4 bps YoY

Efficiency Ratio (YTD, annualized)

52.72%-727 bps YoY

Tier 1 Leverage Ratio

13.74%-14 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2023Q1 2024Q2 2024Q3 2024Q4 2024YoY ΔTrend
Earnings
Return on Assets1.01%1.08%1.13%1.37%1.30%+29 bps
Return on Equity10.35%10.72%11.06%13.03%12.40%+205 bps
Net Interest Margin3.21%3.21%3.16%3.17%3.17%-4 bps
Efficiency Ratio59.99%58.14%57.47%53.72%52.72%-727 bps
Non-Interest Burden1.79%1.74%1.69%1.45%1.41%-38 bps
Growth
Asset Growth (YoY)-0.57%5.35%8.40%6.69%7.22%+779 bps
Loan Growth (YoY)-1.43%-1.34%2.01%1.24%-3.70%-227 bps
Deposit Growth (YoY)-1.98%5.11%7.81%4.10%7.09%+907 bps
Asset Quality
Nonperforming Loans / Loans0.47%0.35%0.35%0.54%0.34%-13 bps
Net Charge-Offs / Loans0.00%0.01%0.00%0.00%0.00%0 bps
Allowance / Loans1.63%1.65%1.63%1.63%1.69%+6 bps
Allowance Coverage of NPLs3.5x4.8x4.7x3.0x5.0x+1.5x
Capital
Tier 1 Leverage Ratio13.88%13.79%13.64%14.05%13.74%-14 bps
Total Risk-Based Capital13.88%13.79%13.64%14.05%13.74%-14 bps
Equity / Assets10.38%9.85%10.40%11.42%10.49%+12 bps
Liquidity & Funding
Loans / Deposits70.23%64.74%66.78%66.91%63.15%-708 bps
Liquid Assets / Assets1.25%1.18%1.19%0.78%0.65%-60 bps
CRE / Total Capitaln/an/an/an/an/an/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 of Bedford County

Shelbyville, TN · Cert 35604 · Peer group: banks under $1B in assets (n=553-605)

FDIC · 1 branch

Q4 2024

$188.8MAssets
$105.0MLoans
$166.2MDeposits
$19.8MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 88% of banks under $1B in assets (rank 71 of 603).
  • Widest gap: total risk-based capital ratio trails 55% of banks under $1B in assets (rank 330 of 604).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.28%

Rank 146 of 605

Net Interest Margin

3.17%

Rank 305 of 604

Efficiency Ratio

52.72%

Rank 71 of 603

Equity / Assets

10.49%

Rank 250 of 604

Non-interest income vs. expense

$1.0M$3.7MINCOMEEXPENSE
Unfavorable gap of $2.6M · efficiency ratio beats 88% of banks under $1B in assets
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.28%0.44%0.82%1.25%Beats 76%146 / 605
Return on Equity12.15%4.73%8.49%12.27%Beats 75%153 / 604
Net Interest Margin3.17%2.67%3.19%3.72%Beats 50%305 / 604
Efficiency Ratio52.72%60.42%71.67%83.77%Beats 88%71 / 603
Asset Quality
Nonperforming Loans / Loans0.34%0.07%0.31%0.86%Beats 48%287 / 553
Net Charge-Offs / Loans0.00%0.00%0.03%0.13%Beats 71%163 / 553
Capital
Tier 1 Capital Ratio13.74%11.06%13.82%18.29%Beats 49%306 / 604
Total Risk-Based Capital Ratio13.74%11.68%14.50%19.03%Beats 45%330 / 604
Equity / Assets10.49%8.17%9.66%12.64%Beats 59%250 / 604
Liquidity & Funding
Loans / Deposits63.15%63.55%78.98%91.89%24th pctl429 / 566
Loans / Assets55.59%56.22%68.51%77.12%24th pctl420 / 553
Brokered Deposits / Depositsn/aNot reported for this institution