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Peoples Bank, The

Brownstown, IN · Cert 5779 · TPB Bcorp

State charter, non-member · FDIC · 4 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

5

Q2 2024Q2 2026peer median (50)

Asset Quality

54

Q2 2024Q2 2026peer median (50)

Profitability

64

Q2 2024Q2 2026peer median (50)

Liquidity

9

Q2 2024Q2 2026peer median

Efficiency

78

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, The

Brownstown, IN · Cert 5779 · TPB Bcorp

State charter, non-member · FDIC · 4 branches

Q2 2026

$323.8MAssets
$153.7MLoans
$298.6MDeposits
$24.1MEquity
Loan mix
83%RE $115.0M5%C&I $7.0M12%Consumer $16.8MQ3 2024Q2 2026
Deposit mix
87%Interest-bearing $259.7M13%Noninterest $38.9MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.32%, up 23 bps year over year; NIM at 3.23%.
  • Asset quality: problem loans at 0.81% of loans (-34 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.32%, up 42 bps from a year ago.
  • Funding: loans stand at 51.49% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.32%+23 bps YoY

Net Interest Margin (YTD, annualized)

3.23%+31 bps YoY

Efficiency Ratio (YTD, annualized)

56.54%-482 bps YoY

Tier 1 Leverage Ratio

9.32%+42 bps YoY

NIM

3.33%Q2 ’243.58%Q2 ’253.87%Q2 ’26+15%+11%

Non-interest income vs. expense

1.94%Q2 ’242.03%Q2 ’252.04%Q2 ’26+2%+1%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.82%0.89%0.96%1.09%1.12%1.14%1.22%1.32%+23 bps
Return on Equity15.62%17.00%17.87%20.08%19.33%18.74%17.02%18.20%-188 bps
Net Interest Margin2.67%2.68%2.88%2.92%2.95%2.98%3.25%3.23%+31 bps
Efficiency Ratio68.06%66.87%65.50%61.36%60.49%60.07%58.46%56.54%-482 bps
Non-Interest Burden1.70%1.67%1.75%1.64%1.63%1.64%1.74%1.66%+2 bps
Growth
Asset Growth (YoY)9.83%1.16%3.11%9.37%8.37%9.86%6.75%-0.16%-952 bps
Loan Growth (YoY)7.83%6.72%7.56%9.29%9.45%13.76%18.40%20.09%+1,080 bps
Deposit Growth (YoY)6.84%1.09%2.06%8.64%7.66%7.41%5.03%-2.13%-1,078 bps
Asset Quality
Nonperforming Loans / Loans0.97%0.63%0.91%1.15%1.14%0.59%0.51%0.81%-34 bps
Net Charge-Offs / Loans0.03%0.03%0.01%0.01%0.02%0.18%0.00%0.00%-1 bps
Allowance / Loans1.00%0.98%0.96%0.95%0.95%0.82%0.81%0.82%-14 bps
Allowance Coverage of NPLs1.0x1.6x1.1x0.8x0.8x1.4x1.6x1.0x+0.2x
Capital
Tier 1 Leverage Ratio9.05%8.75%9.02%8.91%9.10%8.91%9.50%9.32%+42 bps
Total Risk-Based Capital20.22%18.94%19.88%20.95%20.84%18.68%21.86%9.32%-1,162 bps
Equity / Assets6.26%5.03%5.72%5.56%6.84%7.14%7.21%7.46%+190 bps
Liquidity & Funding
Loans / Deposits42.95%44.36%43.23%41.96%43.66%46.98%48.73%51.49%+953 bps
Liquid Assets / Assets7.23%3.42%6.98%11.61%9.94%7.11%7.71%6.15%-546 bps
CRE / Total Capitaln/an/an/an/a46.11%52.48%63.18%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, The

Brownstown, IN · Cert 5779 · Peer group: banks under $1B in assets (n=581-629) · TPB Bcorp

State charter, non-member · FDIC · 4 branches

Q2 2026

$323.8MAssets
$153.7MLoans
$298.6MDeposits
$24.1MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 90% of banks under $1B in assets (rank 64 of 629).
  • Widest gap: total risk-based capital ratio trails 96% of banks under $1B in assets (rank 606 of 629).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.32%

Rank 196 of 629

Net Interest Margin

3.23%

Rank 418 of 629

Efficiency Ratio

56.54%

Rank 137 of 629

Equity / Assets

7.46%

Rank 582 of 629

Non-interest income vs. expense

$1.3M$7.2MINCOMEEXPENSE
Unfavorable gap of $5.8M · efficiency ratio beats 78% of banks under $1B in assets
Bank 56.54%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.32%0.60%1.01%1.45%Beats 69%196 / 629
Return on Equity17.69%5.38%9.30%13.28%Beats 90%64 / 629
Net Interest Margin3.23%3.03%3.54%4.05%Beats 34%418 / 629
Efficiency Ratio56.54%58.35%67.79%79.08%Beats 78%137 / 629
Asset Quality
Nonperforming Loans / Loans0.81%0.09%0.46%1.20%Beats 36%375 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 71%171 / 581
Capital
Tier 1 Capital Ratio9.32%11.24%13.84%18.77%Beats 4%605 / 629
Total Risk-Based Capital Ratio9.32%11.58%14.43%19.66%Beats 4%606 / 629
Equity / Assets7.46%9.09%10.65%13.80%Beats 7%582 / 629
Liquidity & Funding
Loans / Deposits51.49%67.24%80.90%93.48%11th pctl528 / 594
Loans / Assets47.48%53.31%67.71%78.15%19th pctl509 / 629
Brokered Deposits / Depositsn/aNot reported for this institution