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Peoples Bank

Chatham, LA · Cert 9328 · Homeland Bancshares Inc.

State charter, non-member · FDIC · 1 branch

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

70

Q2 2024Q2 2026peer median (50)

Asset Quality

12

Q2 2024Q2 2026peer median (50)

Profitability

71

Q2 2024Q2 2026peer median (50)

Liquidity

35

Q2 2024Q2 2026peer median

Efficiency

74

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

Chatham, LA · Cert 9328 · Homeland Bancshares Inc.

State charter, non-member · FDIC · 2 affiliate banks · 1 branch (8 in holding)

Q2 2026

$86.1MAssets
$69.0MLoans
$72.4MDeposits
$13.2MEquity
Loan mix
78%RE $53.6M19%C&I $12.7M3%Consumer $2.2MQ3 2024Q2 2026
Deposit mix
92%Interest-bearing $66.4M8%Noninterest $6.0MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.37%, up 50 bps year over year; NIM at 4.71%.
  • Asset quality: problem loans at 1.32% of loans (-281 bps YoY), with net recoveries of 0.20%.
  • Capital: tier 1 leverage ratio of 11.66%, up 204 bps from a year ago.
  • Funding: loans stand at 95.42% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.37%+50 bps YoY

Net Interest Margin (YTD, annualized)

4.71%+82 bps YoY

Efficiency Ratio (YTD, annualized)

58.84%-1,317 bps YoY

Tier 1 Leverage Ratio

11.66%+204 bps YoY

NIM

6.85%Q2 ’246.82%Q2 ’257.23%Q2 ’26+14%+21%

Non-interest income vs. expense

2.86%Q2 ’242.84%Q2 ’252.76%Q2 ’26-19%-1%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-1.06%-0.96%0.78%0.87%1.66%0.93%1.08%1.37%+50 bps
Return on Equity-8.23%-7.46%5.94%6.59%12.24%6.79%7.37%9.19%+261 bps
Net Interest Margin3.45%3.47%3.62%3.89%4.50%4.45%4.06%4.71%+82 bps
Efficiency Ratio93.86%85.37%73.33%72.01%57.15%57.94%66.21%58.84%-1,317 bps
Non-Interest Burden3.10%2.84%2.48%2.62%2.19%2.23%2.52%2.58%-4 bps
Growth
Asset Growth (YoY)1.29%6.54%4.82%4.45%4.96%-1.48%-3.39%-3.79%-824 bps
Loan Growth (YoY)0.82%5.09%6.26%3.95%3.37%-4.93%-4.46%-2.40%-635 bps
Deposit Growth (YoY)1.86%7.90%5.02%4.70%4.20%-3.05%-5.19%-5.80%-1,050 bps
Asset Quality
Nonperforming Loans / Loans4.46%4.14%4.51%4.13%2.10%0.95%1.63%1.32%-281 bps
Net Charge-Offs / Loans0.05%0.38%-0.01%0.00%0.01%1.21%0.18%-0.20%-20 bps
Allowance / Loans1.13%1.35%1.33%1.35%1.36%1.32%1.25%1.49%+14 bps
Allowance Coverage of NPLs0.3x0.3x0.3x0.3x0.6x1.4x0.8x1.1x+0.8x
Capital
Tier 1 Leverage Ratio9.47%9.18%9.29%9.63%10.85%10.55%11.13%11.66%+204 bps
Total Risk-Based Capital13.98%13.25%13.57%14.32%16.26%15.99%16.84%17.00%+268 bps
Equity / Assets13.79%13.10%13.03%13.46%14.56%14.51%14.78%15.30%+184 bps
Liquidity & Funding
Loans / Deposits93.83%92.96%92.20%92.11%93.08%91.15%92.91%95.42%+332 bps
Liquid Assets / Assets10.95%10.82%12.34%12.62%11.44%13.90%12.36%11.80%-82 bps
CRE / Total Capitaln/an/an/an/a266%255%240%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

Chatham, LA · Cert 9328 · Peer group: banks under $1B in assets (n=581-629) · Homeland Bancshares Inc.

State charter, non-member · FDIC · 2 affiliate banks · 1 branch (8 in holding)

Q2 2026

$86.1MAssets
$69.0MLoans
$72.4MDeposits
$13.2MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 93% of banks under $1B in assets (rank 44 of 629).
  • Widest gap: net charge-offs / loans trails 98% of banks under $1B in assets (rank 568 of 581).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.38%

Rank 174 of 629

Net Interest Margin

4.71%

Rank 44 of 629

Efficiency Ratio

58.84%

Rank 163 of 629

Equity / Assets

15.30%

Rank 133 of 629

Non-interest income vs. expense

$0.2M$2.4MINCOMEEXPENSE
Unfavorable gap of $2.2M · efficiency ratio beats 74% of banks under $1B in assets
Bank 58.84%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.38%0.60%1.01%1.45%Beats 72%174 / 629
Return on Equity9.00%5.38%9.30%13.28%Beats 47%335 / 629
Net Interest Margin4.71%3.03%3.54%4.05%Beats 93%44 / 629
Efficiency Ratio58.84%58.35%67.79%79.08%Beats 74%163 / 629
Asset Quality
Nonperforming Loans / Loans1.32%0.09%0.46%1.20%Beats 22%454 / 581
Net Charge-Offs / Loans0.66%n/a0.01%0.06%Beats 2%568 / 581
Capital
Tier 1 Capital Ratio15.75%11.24%13.84%18.77%Beats 64%228 / 629
Total Risk-Based Capital Ratio17.00%11.58%14.43%19.66%Beats 67%207 / 629
Equity / Assets15.30%9.09%10.65%13.80%Beats 79%133 / 629
Liquidity & Funding
Loans / Deposits95.42%67.24%80.90%93.48%79th pctl124 / 594
Loans / Assets80.18%53.31%67.71%78.15%81st pctl118 / 629
Brokered Deposits / Depositsn/aNot reported for this institution