Sheridan, AR · Cert 57058 · Peoples Bcorp Inc.
State charter, Fed member · FED · 3 branches
Q2 2026
Market Position · Little Rock-North Little Rock-Conway, AR · 2026 SOD (annual) · 0.7% share · #18 of 42 inst. · $0.3B of $36.9B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.70% | 1.66% | 1.72% | 1.78% | 1.80% | 1.76% | 1.80% | 1.82% | +4 bps | |
| Return on Equity | 13.31% | 13.19% | 14.33% | 14.63% | 14.58% | 14.09% | 14.15% | 14.44% | -19 bps | |
| Net Interest Margin | 3.81% | 3.70% | 4.01% | 3.97% | 4.07% | 4.01% | 4.06% | 4.04% | +7 bps | |
| Efficiency Ratio | 47.20% | 47.75% | 45.92% | 44.49% | 44.11% | 44.59% | 42.52% | 42.11% | -238 bps | |
| Non-Interest Burden | 1.52% | 1.50% | 1.56% | 1.48% | 1.51% | 1.51% | 1.46% | 1.44% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.72% | 17.27% | 20.92% | 13.56% | 13.34% | 9.23% | 9.52% | 13.51% | -5 bps | |
| Loan Growth (YoY) | 16.06% | 12.43% | 12.88% | 16.46% | 20.46% | 15.83% | 17.71% | 18.93% | +247 bps | |
| Deposit Growth (YoY) | 15.85% | 18.48% | 22.26% | 13.63% | 13.70% | 8.01% | 9.14% | 13.82% | +20 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.04% | 0.03% | 0.04% | 0.04% | 0.01% | 0.01% | 0.01% | 0.03% | 0 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.02% | 0.01% | 0.02% | 0.04% | 0.03% | 0.00% | 0.00% | -2 bps | |
| Allowance / Loans | 1.59% | 1.65% | 1.68% | 1.62% | 1.58% | 1.79% | 1.84% | 1.80% | +18 bps | |
| Allowance Coverage of NPLs | 41.4x | 48.6x | 43.3x | 45.0x | 201.7x | 250.6x | 145.4x | 57.2x | +12.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.20% | 13.54% | 13.68% | 13.48% | 13.76% | 13.41% | 13.39% | 13.33% | -15 bps | |
| Total Risk-Based Capital | 14.20% | 13.54% | 13.68% | 13.48% | 13.76% | 13.41% | 13.39% | 13.33% | -15 bps | |
| Equity / Assets | 12.99% | 11.90% | 12.09% | 12.58% | 12.77% | 12.90% | 12.49% | 12.45% | -13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 58.26% | 57.52% | 55.67% | 59.19% | 61.73% | 61.68% | 60.04% | 61.85% | +266 bps | |
| Liquid Assets / Assets | 15.00% | 9.05% | 15.76% | 8.50% | 9.12% | 7.31% | 7.09% | 8.53% | +2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 197.31% | 188.89% | 196.94% | n/a | n/a | |