PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Peoples Exchange Bank

Monroeville, AL · Cert 70 · Peoples Exc Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$98.6MAssets
$53.1MLoans
$86.6MDeposits
$11.4MEquity
Loan mix
74%RE $38.3M21%C&I $10.8M5%Consumer $2.7MQ2 2025Q2 2026
Deposit mix
69%Interest-bearing $59.5M31%Noninterest $27.1MQ2 2025Q2 2026

NIM

5.09%Q2 ’245.29%Q2 ’255.38%Q2 ’26+14%+5%

Non-interest income vs. expense

3.17%Q2 ’243.11%Q2 ’252.83%Q2 ’260%-8%

Executive Summary

  • Earnings: ROA of 1.15%, up 52 bps year over year; NIM at 3.87%.
  • Asset quality: problem loans at 2.44% of loans (-43 bps YoY), with net charge-offs at 0.46%.
  • Capital: tier 1 leverage ratio of 13.46%, up 67 bps from a year ago.
  • Funding: loans stand at 61.32% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.15%+52 bps YoY

Net Interest Margin (quarter, annualized)

3.87%+18 bps YoY

Efficiency Ratio (quarter, annualized)

68.00%-893 bps YoY

Tier 1 Leverage Ratio

13.46%+67 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.63%0.74%1.13%0.82%1.15%+52 bps
Return on Equity6.01%6.71%10.00%7.17%10.01%+399 bps
Net Interest Margin3.69%3.90%3.92%3.49%3.87%+18 bps
Efficiency Ratio76.93%74.36%76.45%70.63%68.00%-893 bps
Non-Interest Burden2.76%2.81%2.92%2.46%2.54%-22 bps
Growth
Asset Growth (YoY)-2.35%-3.35%3.41%0.58%3.41%+576 bps
Loan Growth (YoY)-5.79%-7.04%-3.71%-3.79%-4.56%+123 bps
Deposit Growth (YoY)-3.66%-4.91%2.09%-0.74%2.55%+621 bps
Asset Quality
Nonperforming Loans / Loans2.87%2.35%1.54%1.55%2.44%-43 bps
Net Charge-Offs / Loans-0.02%-0.01%-0.18%0.00%0.46%+48 bps
Allowance / Loans1.30%1.40%1.48%1.52%1.40%+11 bps
Allowance Coverage of NPLs0.5x0.6x1.0x1.0x0.6x+0.1x
Capital
Tier 1 Leverage Ratio12.79%13.19%13.25%12.86%13.46%+67 bps
Total Risk-Based Capital12.79%13.19%13.25%12.86%13.46%+67 bps
Equity / Assets10.66%11.33%11.34%11.47%11.58%+92 bps
Liquidity & Funding
Loans / Deposits65.89%65.26%62.60%61.90%61.32%-457 bps
Liquid Assets / Assets4.74%3.33%5.83%6.69%8.22%+349 bps
CRE / Total Capitaln/a138.27%133.68%133.81%n/an/a