PackageTrendsPeer
Letter portraitLegal landscape

Peoples Bank

Sheridan, AR · Cert 57058 · Peoples Bcorp Inc.

State charter, Fed member · FED · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

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

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 (n=581 to 629). 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 2024Q2 2026peer median (50)

Asset Quality

66

Q2 2024Q2 2026peer median (50)

Profitability

79

Q2 2024Q2 2026peer median (50)

Liquidity

41

Q2 2024Q2 2026peer median

Efficiency

95

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

Sheridan, AR · Cert 57058 · Peoples Bcorp Inc.

State charter, Fed member · FED · 3 branches

Q2 2026

$313.8MAssets
$168.3MLoans
$272.1MDeposits
$39.1MEquity
Loan mix
76%RE $119.4M18%C&I $28.6M6%Consumer $8.9MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $213.3M22%Noninterest $58.9MQ2 2025Q2 2026

NIM

5.62%Q2 ’245.76%Q2 ’255.66%Q2 ’26+2%+2%

Non-interest income vs. expense

2.13%Q2 ’241.99%Q2 ’251.88%Q2 ’26-7%-2%

Market Position · Little Rock-North Little Rock-Conway, AR · 2026 SOD (annual) · 0.7% share · #18 of 42 inst. · $0.3B of $36.9B

57.7% Grant
3.2% Saline

Executive Summary

  • Earnings: ROA of 1.82%, up 4 bps year over year; NIM at 4.04%.
  • Asset quality: problem loans at 0.03% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 13.33%, down 15 bps from a year ago.
  • Funding: loans stand at 61.85% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.82%+4 bps YoY

Net Interest Margin (YTD, annualized)

4.04%+7 bps YoY

Efficiency Ratio (YTD, annualized)

42.11%-238 bps YoY

Tier 1 Leverage Ratio

13.33%-15 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.78%1.80%1.76%1.80%1.82%+4 bps
Return on Equity14.63%14.58%14.09%14.15%14.44%-19 bps
Net Interest Margin3.97%4.07%4.01%4.06%4.04%+7 bps
Efficiency Ratio44.49%44.11%44.59%42.52%42.11%-238 bps
Non-Interest Burden1.48%1.51%1.51%1.46%1.44%-3 bps
Growth
Asset Growth (YoY)13.56%13.34%9.23%9.52%13.51%-5 bps
Loan Growth (YoY)16.46%20.46%15.83%17.71%18.93%+247 bps
Deposit Growth (YoY)13.63%13.70%8.01%9.14%13.82%+20 bps
Asset Quality
Nonperforming Loans / Loans0.04%0.01%0.01%0.01%0.03%0 bps
Net Charge-Offs / Loans0.02%0.04%0.03%0.00%0.00%-2 bps
Allowance / Loans1.62%1.58%1.79%1.84%1.80%+18 bps
Allowance Coverage of NPLs45.0x201.7x250.6x145.4x57.2x+12.2x
Capital
Tier 1 Leverage Ratio13.48%13.76%13.41%13.39%13.33%-15 bps
Total Risk-Based Capital13.48%13.76%13.41%13.39%13.33%-15 bps
Equity / Assets12.58%12.77%12.90%12.49%12.45%-13 bps
Liquidity & Funding
Loans / Deposits59.19%61.73%61.68%60.04%61.85%+266 bps
Liquid Assets / Assets8.50%9.12%7.31%7.09%8.53%+2 bps
CRE / Total Capitaln/a197.31%188.89%196.94%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

Sheridan, AR · Cert 57058 · Peer group: banks under $1B in assets (n=581-629) · Peoples Bcorp Inc.

State charter, Fed member · FED · 3 branches

Q2 2026

$313.8MAssets
$168.3MLoans
$272.1MDeposits
$39.1MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 95% of banks under $1B in assets (rank 31 of 629).
  • Widest gap: total risk-based capital ratio trails 59% of banks under $1B in assets (rank 370 of 629).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.75%

Rank 103 of 629

Net Interest Margin

4.04%

Rank 165 of 629

Efficiency Ratio

42.11%

Rank 31 of 629

Equity / Assets

12.45%

Rank 205 of 629

Non-interest income vs. expense

$1.4M$5.8MINCOMEEXPENSE
Unfavorable gap of $4.4M · efficiency ratio beats 95% of banks under $1B in assets
Bank 42.11%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.75%0.60%1.01%1.45%Beats 84%103 / 629
Return on Equity14.10%5.38%9.30%13.28%Beats 79%129 / 629
Net Interest Margin4.04%3.03%3.54%4.05%Beats 74%165 / 629
Efficiency Ratio42.11%58.35%67.79%79.08%Beats 95%31 / 629
Asset Quality
Nonperforming Loans / Loans0.03%0.09%0.46%1.20%Beats 83%100 / 581
Net Charge-Offs / Loans0.01%n/a0.01%0.06%Beats 49%297 / 581
Capital
Tier 1 Capital Ratio13.33%11.24%13.84%18.77%Beats 46%338 / 629
Total Risk-Based Capital Ratio13.33%11.58%14.43%19.66%Beats 41%370 / 629
Equity / Assets12.45%9.09%10.65%13.80%Beats 67%205 / 629
Liquidity & Funding
Loans / Deposits61.85%67.24%80.90%93.48%20th pctl477 / 594
Loans / Assets53.64%53.31%67.71%78.15%25th pctl469 / 629
Brokered Deposits / Depositsn/aNot reported for this institution