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

Deposit mix

NIM

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

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%.

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.

Metric	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ
Earnings
Return on Assets	1.78%	1.80%	1.76%	1.80%	1.82%	+4 bps
Return on Equity	14.63%	14.58%	14.09%	14.15%	14.44%	-19 bps
Net Interest Margin	3.97%	4.07%	4.01%	4.06%	4.04%	+7 bps
Efficiency Ratio	44.49%	44.11%	44.59%	42.52%	42.11%	-238 bps
Non-Interest Burden	1.48%	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 / Loans	0.04%	0.01%	0.01%	0.01%	0.03%	0 bps
Net Charge-Offs / Loans	0.02%	0.04%	0.03%	0.00%	0.00%	-2 bps
Allowance / Loans	1.62%	1.58%	1.79%	1.84%	1.80%	+18 bps
Allowance Coverage of NPLs	45.0x	201.7x	250.6x	145.4x	57.2x	+12.2x
Capital
Tier 1 Leverage Ratio	13.48%	13.76%	13.41%	13.39%	13.33%	-15 bps
Total Risk-Based Capital	13.48%	13.76%	13.41%	13.39%	13.33%	-15 bps
Equity / Assets	12.58%	12.77%	12.90%	12.49%	12.45%	-13 bps
Liquidity & Funding
Loans / Deposits	59.19%	61.73%	61.68%	60.04%	61.85%	+266 bps
Liquid Assets / Assets	8.50%	9.12%	7.31%	7.09%	8.53%	+2 bps
CRE / Total Capital	n/a	197.31%	188.89%	196.94%	n/a	n/a