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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 1.42%, up 20 bps year over year; NIM at 3.38%.
  • 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 (quarter, annualized)

1.42%+20 bps YoY

Net Interest Margin (quarter, annualized)

3.38%+29 bps YoY

Efficiency Ratio (quarter, annualized)

54.78%-287 bps YoY

Tier 1 Leverage Ratio

9.32%+42 bps YoY

NIM

3.55%Q2 ’243.76%Q2 ’254.04%Q2 ’26+13%+9%

Non-interest income vs. expense

1.95%Q2 ’242.02%Q2 ’252.07%Q2 ’26+0%+4%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.82%1.07%0.96%1.22%1.16%1.17%1.22%1.42%+20 bps
Return on Equity14.58%18.95%17.87%21.66%18.75%16.81%17.02%19.36%-231 bps
Net Interest Margin2.65%2.94%2.88%3.09%3.07%3.25%3.25%3.38%+29 bps
Efficiency Ratio68.70%63.73%65.50%57.65%58.85%58.93%58.46%54.78%-287 bps
Non-Interest Burden1.68%1.73%1.75%1.61%1.64%1.76%1.74%1.68%+7 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 / Loans0.02%0.02%0.01%0.02%0.02%0.65%0.00%0.00%-2 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