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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 $2.7MQ3 2024Q2 2026
Deposit mix
69%Interest-bearing $59.5M31%Noninterest $27.1MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.99%, up 43 bps year over year; NIM at 3.73%.
  • Asset quality: problem loans at 2.44% of loans (-43 bps YoY), with net charge-offs at 0.23%.
  • 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.

Return on Assets (YTD, annualized)

0.99%+43 bps YoY

Net Interest Margin (YTD, annualized)

3.73%+7 bps YoY

Efficiency Ratio (YTD, annualized)

69.22%-1,110 bps YoY

Tier 1 Leverage Ratio

13.46%+67 bps YoY

NIM

5.09%Q2 ’245.25%Q2 ’255.26%Q2 ’26+11%+2%

Non-interest income vs. expense

3.20%Q2 ’243.20%Q2 ’252.69%Q2 ’26+2%-12%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.25%0.40%0.46%0.55%0.61%0.74%0.82%0.99%+43 bps
Return on Equity2.51%4.06%4.50%5.28%5.75%6.88%7.17%8.60%+332 bps
Net Interest Margin3.26%3.42%3.69%3.66%3.78%3.81%3.49%3.73%+7 bps
Efficiency Ratio87.54%84.20%83.80%80.32%78.27%77.80%70.63%69.22%-1,110 bps
Non-Interest Burden2.80%2.81%3.04%2.87%2.88%2.89%2.46%2.53%-34 bps
Growth
Asset Growth (YoY)2.65%-4.33%1.11%-2.35%-3.35%3.41%0.58%3.41%+576 bps
Loan Growth (YoY)8.20%1.05%-1.76%-5.79%-7.04%-3.71%-3.79%-4.56%+123 bps
Deposit Growth (YoY)1.17%-5.37%0.13%-3.66%-4.91%2.09%-0.74%2.55%+621 bps
Asset Quality
Nonperforming Loans / Loans2.94%2.97%2.79%2.87%2.35%1.54%1.55%2.44%-43 bps
Net Charge-Offs / Loans0.08%0.13%0.25%0.12%0.08%0.01%0.00%0.23%+11 bps
Allowance / Loans1.29%1.30%1.25%1.30%1.40%1.48%1.52%1.40%+11 bps
Allowance Coverage of NPLs0.4x0.4x0.4x0.5x0.6x1.0x1.0x0.6x+0.1x
Capital
Tier 1 Leverage Ratio12.05%12.27%12.88%12.79%13.19%13.25%12.86%13.46%+67 bps
Total Risk-Based Capital12.05%12.27%12.88%12.79%13.19%13.25%12.86%13.46%+67 bps
Equity / Assets10.38%10.32%10.36%10.66%11.33%11.34%11.47%11.58%+92 bps
Liquidity & Funding
Loans / Deposits66.75%66.37%63.86%65.89%65.26%62.60%61.90%61.32%-457 bps
Liquid Assets / Assets3.15%3.59%2.91%4.74%3.33%5.83%6.69%8.22%+349 bps
CRE / Total Capitaln/an/an/an/a138.27%133.68%133.81%n/an/a