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Peoples Bank

Mendenhall, MS · Cert 9366 · Peoples Bancshares Inc.

State charter, non-member · FDIC · 4 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=570 to 617). 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

61

Q2 2024Q2 2026peer median (50)

Asset Quality

6

Q2 2024Q2 2026peer median (50)

Profitability

97

Q2 2024Q2 2026peer median (50)

Liquidity

62

Q2 2024Q2 2026peer median

Efficiency

81

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

Mendenhall, MS · Cert 9366 · Peoples Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$503.5MAssets
$392.9MLoans
$445.0MDeposits
$56.4MEquity
Loan mix
80%RE $318.3M17%C&I $67.0M4%Consumer $14.8MQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $315.0M29%Noninterest $130.0MQ2 2025Q2 2026

NIM

8.58%Q2 ’248.11%Q2 ’257.75%Q2 ’26-3%-3%

Non-interest income vs. expense

5.58%Q2 ’245.57%Q2 ’255.37%Q2 ’26+15%-34%

Market Position · Jackson, MS · 2026 SOD (annual) · 1.5% share · #10 of 30 inst. · $0.4B of $23.5B

42.5% Simpson
20.4% Covington
0.3% Rankin

Executive Summary

  • Earnings: ROA of 3.11%, up 104 bps year over year; NIM at 6.05%.
  • Asset quality: problem loans at 4.28% of loans (-24 bps YoY), with net charge-offs at 0.32%.
  • Capital: tier 1 leverage ratio of 11.72%, down 112 bps from a year ago.
  • Funding: loans stand at 88.29% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

3.11%+104 bps YoY

Net Interest Margin (YTD, annualized)

6.05%-22 bps YoY

Efficiency Ratio (YTD, annualized)

55.29%-480 bps YoY

Tier 1 Leverage Ratio

11.72%-112 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.07%2.30%2.42%2.23%3.11%+104 bps
Return on Equity17.85%19.79%20.92%20.54%28.34%+1,049 bps
Net Interest Margin6.27%6.17%6.27%5.89%6.05%-22 bps
Efficiency Ratio60.09%59.81%59.26%60.03%55.29%-480 bps
Non-Interest Burden2.57%2.52%2.53%2.36%1.71%-86 bps
Growth
Asset Growth (YoY)0.77%2.51%6.75%10.20%7.23%+646 bps
Loan Growth (YoY)0.43%3.76%7.73%10.22%6.82%+638 bps
Deposit Growth (YoY)0.72%2.00%0.63%5.22%7.85%+713 bps
Asset Quality
Nonperforming Loans / Loans4.51%4.02%3.71%4.46%4.28%-24 bps
Net Charge-Offs / Loans1.29%0.96%0.78%0.36%0.32%-97 bps
Allowance / Loans1.52%1.46%1.45%1.52%1.51%0 bps
Allowance Coverage of NPLs0.3x0.4x0.4x0.3x0.4x0.0x
Capital
Tier 1 Leverage Ratio12.84%12.24%12.18%10.91%11.72%-112 bps
Total Risk-Based Capital17.79%17.44%17.07%15.72%16.50%-129 bps
Equity / Assets11.62%11.66%11.51%10.20%11.19%-43 bps
Liquidity & Funding
Loans / Deposits89.14%90.46%97.54%97.07%88.29%-86 bps
Liquid Assets / Assets4.15%1.48%1.70%1.61%4.42%+27 bps
CRE / Total Capitaln/a319%337%392%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

Mendenhall, MS · Cert 9366 · Peer group: banks under $1B in assets (n=570-617) · Peoples Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$503.5MAssets
$392.9MLoans
$445.0MDeposits
$56.4MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 99% of banks under $1B in assets (rank 5 of 617).
  • Widest gap: nonperforming loans / loans trails 96% of banks under $1B in assets (rank 549 of 570).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

3.07%

Rank 39 of 617

Net Interest Margin

6.05%

Rank 5 of 617

Efficiency Ratio

55.29%

Rank 120 of 617

Equity / Assets

11.19%

Rank 264 of 617

Non-interest income vs. expense

$18.0M$26.5MINCOMEEXPENSE
Unfavorable gap of $8.4M · efficiency ratio beats 81% of banks under $1B in assets
Bank 55.29%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets3.07%0.60%1.01%1.45%Beats 94%39 / 617
Return on Equity27.40%5.30%9.43%13.30%Beats 98%15 / 617
Net Interest Margin6.05%3.04%3.54%4.05%Beats 99%5 / 617
Efficiency Ratio55.29%58.03%67.76%79.08%Beats 81%120 / 617
Asset Quality
Nonperforming Loans / Loans4.28%0.09%0.47%1.27%Beats 4%549 / 570
Net Charge-Offs / Loans0.22%n/a0.01%0.06%Beats 8%527 / 570
Capital
Tier 1 Capital Ratio15.25%11.18%13.83%18.55%Beats 62%237 / 617
Total Risk-Based Capital Ratio16.50%11.56%14.39%19.39%Beats 64%221 / 617
Equity / Assets11.19%9.03%10.55%13.63%Beats 57%264 / 617
Liquidity & Funding
Loans / Deposits88.29%64.77%79.70%93.06%66th pctl198 / 582
Loans / Assets78.03%51.70%67.18%77.51%76th pctl150 / 617
Brokered Deposits / Depositsn/aNot reported for this institution