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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

6.01%Q2 ’245.80%Q2 ’255.79%Q2 ’26-2%+4%

Non-interest income vs. expense

2.22%Q2 ’242.35%Q2 ’252.44%Q2 ’26+10%+15%

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 0.96%, up 32 bps year over year; NIM at 3.47%.
  • Asset quality: problem loans at 0.45% of loans (-90 bps YoY), with net charge-offs at 0.08%.
  • 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 (quarter, annualized)

0.96%+32 bps YoY

Net Interest Margin (quarter, annualized)

3.47%+13 bps YoY

Efficiency Ratio (quarter, annualized)

65.02%+334 bps YoY

Tier 1 Leverage Ratio

11.11%+70 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.64%1.54%0.65%1.21%0.96%+32 bps
Return on Equity6.59%15.34%6.26%11.52%9.09%+251 bps
Net Interest Margin3.34%3.62%3.43%3.46%3.47%+13 bps
Efficiency Ratio61.68%46.93%63.75%58.72%65.02%+334 bps
Non-Interest Burden1.87%1.48%2.04%1.87%2.15%+28 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 / Loans0.07%0.00%1.46%-0.02%0.08%+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