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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 $2.2MQ2 2025Q2 2026
Deposit mix
92%Interest-bearing $66.4M8%Noninterest $6.0MQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.87%1.66%0.93%1.08%1.37%+50 bps
Return on Equity6.59%12.24%6.79%7.37%9.19%+261 bps
Net Interest Margin3.89%4.50%4.45%4.06%4.71%+82 bps
Efficiency Ratio72.01%57.15%57.94%66.21%58.84%-1,317 bps
Non-Interest Burden2.62%2.19%2.23%2.52%2.58%-4 bps
Growth
Asset Growth (YoY)4.45%4.96%-1.48%-3.39%-3.79%-824 bps
Loan Growth (YoY)3.95%3.37%-4.93%-4.46%-2.40%-635 bps
Deposit Growth (YoY)4.70%4.20%-3.05%-5.19%-5.80%-1,050 bps
Asset Quality
Nonperforming Loans / Loans4.13%2.10%0.95%1.63%1.32%-281 bps
Net Charge-Offs / Loans0.00%0.01%1.21%0.18%-0.20%-20 bps
Allowance / Loans1.35%1.36%1.32%1.25%1.49%+14 bps
Allowance Coverage of NPLs0.3x0.6x1.4x0.8x1.1x+0.8x
Capital
Tier 1 Leverage Ratio9.63%10.85%10.55%11.13%11.66%+204 bps
Total Risk-Based Capital14.32%16.26%15.99%16.84%17.00%+268 bps
Equity / Assets13.46%14.56%14.51%14.78%15.30%+184 bps
Liquidity & Funding
Loans / Deposits92.11%93.08%91.15%92.91%95.42%+332 bps
Liquid Assets / Assets12.62%11.44%13.90%12.36%11.80%-82 bps
CRE / Total Capitaln/a266%255%240%n/an/a