Mendenhall, MS · Cert 9366 · Peoples Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
61
Asset Quality
6
Profitability
96
Liquidity
67
Efficiency
81
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.
Mendenhall, MS · Cert 9366 · Peoples Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Jackson, MS · 2026 SOD (annual) · 1.5% share · #10 of 30 inst. · $0.4B of $23.5B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.12% | 2.92% | 1.99% | 2.07% | 2.30% | 2.42% | 2.23% | 3.11% | +104 bps | |
| Return on Equity | 27.22% | 25.67% | 17.19% | 17.85% | 19.79% | 20.92% | 20.54% | 28.34% | +1,049 bps | |
| Net Interest Margin | 6.76% | 6.79% | 6.28% | 6.27% | 6.17% | 6.27% | 5.89% | 6.05% | -22 bps | |
| Efficiency Ratio | 57.94% | 58.91% | 58.31% | 60.09% | 59.81% | 59.26% | 60.03% | 55.29% | -480 bps | |
| Non-Interest Burden | 2.55% | 2.67% | 2.33% | 2.57% | 2.52% | 2.53% | 2.36% | 1.71% | -86 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.91% | -1.92% | -4.90% | 0.77% | 2.51% | 6.75% | 10.20% | 7.23% | +646 bps | |
| Loan Growth (YoY) | 4.47% | 0.34% | -3.42% | 0.43% | 3.76% | 7.73% | 10.22% | 6.82% | +638 bps | |
| Deposit Growth (YoY) | 4.29% | 6.65% | -2.52% | 0.72% | 2.00% | 0.63% | 5.22% | 7.85% | +713 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 4.19% | 5.08% | 5.04% | 4.51% | 4.02% | 3.71% | 4.46% | 4.28% | -24 bps | |
| Net Charge-Offs / Loans | 0.14% | 0.49% | 1.51% | 1.29% | 0.96% | 0.78% | 0.36% | 0.32% | -97 bps | |
| Allowance / Loans | 1.68% | 1.52% | 1.56% | 1.52% | 1.46% | 1.45% | 1.52% | 1.51% | 0 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.3x | 0.3x | 0.3x | 0.4x | 0.4x | 0.3x | 0.4x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.38% | 11.53% | 12.71% | 12.84% | 12.24% | 12.18% | 10.91% | 11.72% | -112 bps | |
| Total Risk-Based Capital | 16.85% | 16.36% | 17.86% | 17.79% | 17.44% | 17.07% | 15.72% | 16.50% | -129 bps | |
| Equity / Assets | 11.15% | 11.02% | 12.11% | 11.62% | 11.66% | 11.51% | 10.20% | 11.19% | -43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.92% | 91.11% | 92.66% | 89.14% | 90.46% | 97.54% | 97.07% | 88.29% | -86 bps | |
| Liquid Assets / Assets | 2.51% | 1.45% | 1.10% | 4.15% | 1.48% | 1.70% | 1.61% | 4.42% | +27 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 319% | 337% | 392% | n/a | n/a | |
Mendenhall, MS · Cert 9366 · Peer group: banks under $1B in assets (n=581-629) · Peoples Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Return on Assets
3.07%
Rank 41 of 629
Net Interest Margin
6.05%
Rank 5 of 629
Efficiency Ratio
55.29%
Rank 122 of 629
Equity / Assets
11.19%
Rank 274 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 3.07% | 0.60% | 1.01% | 1.45% | Beats 93% | 41 / 629 | ||
| Return on Equity | 27.40% | 5.38% | 9.30% | 13.28% | Beats 97% | 17 / 629 | ||
| Net Interest Margin | 6.05% | 3.03% | 3.54% | 4.05% | Beats 99% | 5 / 629 | ||
| Efficiency Ratio | 55.29% | 58.35% | 67.79% | 79.08% | Beats 81% | 122 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 4.28% | 0.09% | 0.46% | 1.20% | Beats 4% | 559 / 581 | ||
| Net Charge-Offs / Loans | 0.22% | n/a | 0.01% | 0.06% | Beats 8% | 534 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.25% | 11.24% | 13.84% | 18.77% | Beats 62% | 242 / 629 | ||
| Total Risk-Based Capital Ratio | 16.50% | 11.58% | 14.43% | 19.66% | Beats 64% | 227 / 629 | ||
| Equity / Assets | 11.19% | 9.09% | 10.65% | 13.80% | Beats 56% | 274 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 88.29% | 67.24% | 80.90% | 93.48% | 65th pctl | 207 / 594 | ||
| Loans / Assets | 78.03% | 53.31% | 67.71% | 78.15% | 74th pctl | 162 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||