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Peoples Bank, The

Sardis, TN · Cert 6110 · 1st Jackson Bancshares Inc.

State charter, non-member · FDIC · 5 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

23

Q2 2024Q2 2026peer median (50)

Asset Quality

22

Q2 2024Q2 2026peer median (50)

Profitability

45

Q2 2024Q2 2026peer median (50)

Liquidity

83

Q2 2024Q2 2026peer median

Efficiency

30

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

Sardis, TN · Cert 6110 · 1st Jackson Bancshares Inc.

State charter, non-member · FDIC · 1 affiliate bank · 5 branches (12 in holding)

Q2 2026

$113.1MAssets
$75.9MLoans
$100.7MDeposits
$11.1MEquity
Loan mix
89%RE $63.2M7%C&I $4.9M4%Consumer $2.6MQ2 2025Q2 2026
Deposit mix
77%Interest-bearing $77.2M23%Noninterest $23.5MQ2 2025Q2 2026

NIM

5.39%Q2 ’245.72%Q2 ’255.61%Q2 ’26+12%+3%

Non-interest income vs. expense

3.24%Q2 ’243.40%Q2 ’253.33%Q2 ’26+7%-2%

Market Position · Jackson, TN · 2026 SOD (annual) · 0.7% share · #16 of 23 inst. · $0.0B of $4.3B

5.5% Hardin
3.0% Henderson
5.8% Chester
4.0% Crockett

Executive Summary

  • Earnings: ROA of 0.70%, up 17 bps year over year; NIM at 3.97%.
  • Asset quality: problem loans at 1.21% of loans (+102 bps YoY), with net charge-offs at 0.21%.
  • Capital: tier 1 leverage ratio of 10.62%, up 4 bps from a year ago.
  • Funding: loans stand at 75.40% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.70%+17 bps YoY

Net Interest Margin (YTD, annualized)

3.97%+11 bps YoY

Efficiency Ratio (YTD, annualized)

76.14%-318 bps YoY

Tier 1 Leverage Ratio

10.62%+4 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.53%0.51%0.52%0.53%0.70%+17 bps
Return on Equity5.85%5.59%5.58%5.50%7.14%+129 bps
Net Interest Margin3.86%3.82%3.76%3.76%3.97%+11 bps
Efficiency Ratio79.32%79.91%81.02%80.00%76.14%-318 bps
Non-Interest Burden3.00%2.99%2.99%2.96%2.95%-5 bps
Growth
Asset Growth (YoY)-2.97%0.48%-0.19%1.41%3.50%+646 bps
Loan Growth (YoY)-2.19%-8.00%-6.57%-6.72%1.31%+350 bps
Deposit Growth (YoY)-4.16%0.11%-1.09%1.03%3.30%+746 bps
Asset Quality
Nonperforming Loans / Loans0.19%0.41%0.27%0.65%1.21%+102 bps
Net Charge-Offs / Loans0.07%0.05%0.20%0.03%0.21%+13 bps
Allowance / Loans0.90%0.98%0.85%0.86%0.75%-16 bps
Allowance Coverage of NPLs4.7x2.4x3.2x1.3x0.6x-4.1x
Capital
Tier 1 Leverage Ratio10.58%10.58%10.55%10.50%10.62%+4 bps
Total Risk-Based Capital10.58%10.58%10.55%10.50%10.62%+4 bps
Equity / Assets9.42%9.61%9.82%9.61%9.80%+38 bps
Liquidity & Funding
Loans / Deposits76.88%72.59%71.74%71.16%75.40%-148 bps
Liquid Assets / Assets1.49%0.53%0.54%0.53%0.54%-96 bps
CRE / Total Capitaln/a204%206%208%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

Sardis, TN · Cert 6110 · Peer group: banks under $1B in assets (n=581-629) · 1st Jackson Bancshares Inc.

State charter, non-member · FDIC · 1 affiliate bank · 5 branches (12 in holding)

Q2 2026

$113.1MAssets
$75.9MLoans
$100.7MDeposits
$11.1MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 72% of banks under $1B in assets (rank 175 of 629).
  • Widest gap: total risk-based capital ratio trails 85% of banks under $1B in assets (rank 533 of 629).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.69%

Rank 445 of 629

Net Interest Margin

3.97%

Rank 175 of 629

Efficiency Ratio

76.58%

Rank 441 of 629

Equity / Assets

9.80%

Rank 395 of 629

Non-interest income vs. expense

$0.4M$3.8MINCOMEEXPENSE
Unfavorable gap of $3.4M · efficiency ratio beats 30% of banks under $1B in assets
Bank 76.58%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.69%0.60%1.01%1.45%Beats 29%445 / 629
Return on Equity7.04%5.38%9.30%13.28%Beats 33%422 / 629
Net Interest Margin3.97%3.03%3.54%4.05%Beats 72%175 / 629
Efficiency Ratio76.58%58.35%67.79%79.08%Beats 30%441 / 629
Asset Quality
Nonperforming Loans / Loans1.21%0.09%0.46%1.20%Beats 25%437 / 581
Net Charge-Offs / Loans0.11%n/a0.01%0.06%Beats 18%480 / 581
Capital
Tier 1 Capital Ratio10.62%11.24%13.84%18.77%Beats 18%518 / 629
Total Risk-Based Capital Ratio10.62%11.58%14.43%19.66%Beats 15%533 / 629
Equity / Assets9.80%9.09%10.65%13.80%Beats 37%395 / 629
Liquidity & Funding
Loans / Deposits75.40%67.24%80.90%93.48%40th pctl355 / 594
Loans / Assets67.17%53.31%67.71%78.15%48th pctl327 / 629
Brokered Deposits / Depositsn/aNot reported for this institution