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 | |