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Peoplestrust Bank

Hamilton, AL · Cert 57569 · Hometown Bancshares Inc.

State charter, non-member · FDIC · 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

31

Q2 2024Q2 2026peer median (50)

Asset Quality

44

Q2 2024Q2 2026peer median (50)

Profitability

51

Q2 2024Q2 2026peer median (50)

Liquidity

83

Q2 2024Q2 2026peer median

Efficiency

68

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

Peoplestrust Bank

Hamilton, AL · Cert 57569 · Hometown Bancshares Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$201.2MAssets
$133.6MLoans
$177.6MDeposits
$21.2MEquity
Loan mix
64%RE $86.1M29%C&I $39.0M7%Consumer $9.8MQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $142.7M20%Noninterest $34.9MQ2 2025Q2 2026

NIM

5.90%Q2 ’245.76%Q2 ’255.76%Q2 ’260%+4%

Non-interest income vs. expense

2.15%Q2 ’242.25%Q2 ’252.34%Q2 ’26+7%+13%

Market Position · Florence-Muscle Shoals, AL · 2026 SOD (annual) · 0.5% share · #14 of 16 inst. · $0.0B of $3.9B

16.7% Marion
0.7% Lauderdale

Executive Summary

  • Earnings: ROA of 1.08%, up 16 bps year over year; NIM at 3.46%.
  • Asset quality: problem loans at 0.45% of loans (-90 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 11.11%, up 70 bps from a year ago.
  • Funding: loans stand at 75.26% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.08%+16 bps YoY

Net Interest Margin (YTD, annualized)

3.46%+15 bps YoY

Efficiency Ratio (YTD, annualized)

61.84%+244 bps YoY

Tier 1 Leverage Ratio

11.11%+70 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.92%1.13%1.01%1.21%1.08%+16 bps
Return on Equity9.54%11.51%10.14%11.52%10.28%+74 bps
Net Interest Margin3.31%3.39%3.39%3.46%3.46%+15 bps
Efficiency Ratio59.40%55.05%57.22%58.72%61.84%+244 bps
Non-Interest Burden1.77%1.66%1.75%1.87%2.01%+24 bps
Growth
Asset Growth (YoY)5.22%4.36%4.25%2.52%3.44%-178 bps
Loan Growth (YoY)5.35%4.81%1.86%0.17%-0.85%-620 bps
Deposit Growth (YoY)4.51%3.92%3.24%1.62%2.69%-183 bps
Asset Quality
Nonperforming Loans / Loans1.35%1.12%0.49%0.48%0.45%-90 bps
Net Charge-Offs / Loans0.04%0.03%0.38%-0.02%0.03%-1 bps
Allowance / Loans1.66%1.66%1.52%1.50%1.51%-15 bps
Allowance Coverage of NPLs1.2x1.5x3.1x3.1x3.4x+2.1x
Capital
Tier 1 Leverage Ratio10.41%10.68%10.79%10.92%11.11%+70 bps
Total Risk-Based Capital10.41%10.68%10.79%10.92%11.11%+70 bps
Equity / Assets9.79%10.30%10.45%10.47%10.55%+76 bps
Liquidity & Funding
Loans / Deposits77.94%79.52%77.25%77.97%75.26%-268 bps
Liquid Assets / Assets0.59%0.65%0.70%0.75%0.79%+20 bps
CRE / Total Capitaln/a194.12%193.52%191.57%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

Peoplestrust Bank

Hamilton, AL · Cert 57569 · Peer group: banks under $1B in assets (n=581-629) · Hometown Bancshares Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$201.2MAssets
$133.6MLoans
$177.6MDeposits
$21.2MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 68% of banks under $1B in assets (rank 203 of 629).
  • Widest gap: total risk-based capital ratio trails 80% of banks under $1B in assets (rank 505 of 629).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.07%

Rank 295 of 629

Net Interest Margin

3.46%

Rank 337 of 629

Efficiency Ratio

61.84%

Rank 203 of 629

Equity / Assets

10.55%

Rank 325 of 629

Non-interest income vs. expense

$0.7M$4.7MINCOMEEXPENSE
Unfavorable gap of $4.0M · efficiency ratio beats 68% of banks under $1B in assets
Bank 61.84%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.07%0.60%1.01%1.45%Beats 53%295 / 629
Return on Equity10.10%5.38%9.30%13.28%Beats 55%286 / 629
Net Interest Margin3.46%3.03%3.54%4.05%Beats 46%337 / 629
Efficiency Ratio61.84%58.35%67.79%79.08%Beats 68%203 / 629
Asset Quality
Nonperforming Loans / Loans0.45%0.09%0.46%1.20%Beats 51%287 / 581
Net Charge-Offs / Loans0.03%n/a0.01%0.06%Beats 37%369 / 581
Capital
Tier 1 Capital Ratio11.11%11.24%13.84%18.77%Beats 24%479 / 629
Total Risk-Based Capital Ratio11.11%11.58%14.43%19.66%Beats 20%505 / 629
Equity / Assets10.55%9.09%10.65%13.80%Beats 48%325 / 629
Liquidity & Funding
Loans / Deposits75.26%67.24%80.90%93.48%40th pctl356 / 594
Loans / Assets66.41%53.31%67.71%78.15%47th pctl332 / 629
Brokered Deposits / Depositsn/aNot reported for this institution