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Peoples Bank

Clifton, TN · Cert 9489 · PB Bancshares Emp STK Ownership Plan

State charter, Fed member · FED · 5 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=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

58

Q2 2024Q2 2026peer median (50)

Asset Quality

33

Q2 2024Q2 2026peer median (50)

Profitability

76

Q2 2024Q2 2026peer median (50)

Liquidity

33

Q2 2024Q2 2026peer median

Efficiency

78

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

Clifton, TN · Cert 9489 · PB Bancshares Emp STK Ownership Plan

State charter, Fed member · FED · 5 branches

Q2 2026

$445.3MAssets
$360.2MLoans
$376.4MDeposits
$54.2MEquity
Loan mix
64%RE $208.4M31%C&I $101.4M5%Consumer $15.3MQ3 2024Q2 2026
Deposit mix
86%Interest-bearing $324.8M14%Noninterest $51.6MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.46%, down 23 bps year over year; NIM at 4.59%.
  • Asset quality: problem loans at 0.39% of loans (+1 bps YoY), with net charge-offs at 0.25%.
  • Capital: tier 1 leverage ratio of 12.72%, up 29 bps from a year ago.
  • Funding: loans stand at 95.71% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.46%-23 bps YoY

Net Interest Margin (YTD, annualized)

4.59%-12 bps YoY

Efficiency Ratio (YTD, annualized)

56.55%+122 bps YoY

Tier 1 Leverage Ratio

12.72%+29 bps YoY

NIM

7.82%Q2 ’247.38%Q2 ’256.90%Q2 ’26-12%-3%

Non-interest income vs. expense

2.85%Q2 ’242.76%Q2 ’252.70%Q2 ’26-6%+1%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.07%2.00%1.76%1.69%1.63%1.55%1.76%1.46%-23 bps
Return on Equity18.03%17.37%15.05%14.18%13.47%12.69%14.17%11.85%-233 bps
Net Interest Margin5.25%5.17%4.79%4.72%4.86%4.76%4.89%4.59%-12 bps
Efficiency Ratio50.72%50.69%54.03%55.33%55.56%58.09%53.67%56.55%+122 bps
Non-Interest Burden2.56%2.52%2.47%2.49%2.58%2.68%2.54%2.51%+3 bps
Growth
Asset Growth (YoY)9.52%11.93%9.27%4.20%6.21%3.62%5.42%11.45%+725 bps
Loan Growth (YoY)8.93%7.14%-0.23%-2.70%-0.30%-0.71%11.00%20.25%+2,295 bps
Deposit Growth (YoY)7.97%12.50%11.74%5.74%8.71%4.14%3.91%9.06%+333 bps
Asset Quality
Nonperforming Loans / Loans0.26%0.27%0.59%0.38%0.23%0.39%0.35%0.39%+1 bps
Net Charge-Offs / Loans0.13%0.13%0.26%0.31%0.32%0.24%0.03%0.25%-6 bps
Allowance / Loans1.03%1.05%1.04%1.03%1.04%1.02%0.96%0.92%-11 bps
Allowance Coverage of NPLs3.9x3.9x1.8x2.7x4.5x2.6x2.8x2.4x-0.4x
Capital
Tier 1 Leverage Ratio12.24%12.23%12.31%12.43%13.19%12.99%13.24%12.72%+29 bps
Total Risk-Based Capital16.26%16.06%16.79%17.34%17.50%16.88%16.09%15.26%-208 bps
Equity / Assets12.07%11.67%11.76%12.32%12.72%12.53%12.39%12.16%-16 bps
Liquidity & Funding
Loans / Deposits94.83%89.86%84.32%86.81%86.97%85.68%90.08%95.71%+890 bps
Liquid Assets / Assets6.88%7.16%10.33%10.55%8.76%7.49%4.26%3.92%-663 bps
CRE / Total Capitaln/an/an/an/a197.90%204%223%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

Clifton, TN · Cert 9489 · Peer group: banks under $1B in assets (n=581-629) · PB Bancshares Emp STK Ownership Plan

State charter, Fed member · FED · 5 branches

Q2 2026

$445.3MAssets
$360.2MLoans
$376.4MDeposits
$54.2MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 91% of banks under $1B in assets (rank 57 of 629).
  • Widest gap: net charge-offs / loans trails 88% of banks under $1B in assets (rank 514 of 581).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.41%

Rank 167 of 629

Net Interest Margin

4.59%

Rank 57 of 629

Efficiency Ratio

56.55%

Rank 138 of 629

Equity / Assets

12.16%

Rank 219 of 629

Non-interest income vs. expense

$0.8M$11.8MINCOMEEXPENSE
Unfavorable gap of $11.0M · efficiency ratio beats 78% of banks under $1B in assets
Bank 56.55%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.41%0.60%1.01%1.45%Beats 73%167 / 629
Return on Equity11.58%5.38%9.30%13.28%Beats 64%226 / 629
Net Interest Margin4.59%3.03%3.54%4.05%Beats 91%57 / 629
Efficiency Ratio56.55%58.35%67.79%79.08%Beats 78%138 / 629
Asset Quality
Nonperforming Loans / Loans0.39%0.09%0.46%1.20%Beats 54%269 / 581
Net Charge-Offs / Loans0.14%n/a0.01%0.06%Beats 12%514 / 581
Capital
Tier 1 Capital Ratio14.35%11.24%13.84%18.77%Beats 54%288 / 629
Total Risk-Based Capital Ratio15.26%11.58%14.43%19.66%Beats 55%282 / 629
Equity / Assets12.16%9.09%10.65%13.80%Beats 65%219 / 629
Liquidity & Funding
Loans / Deposits95.71%67.24%80.90%93.48%80th pctl120 / 594
Loans / Assets80.89%53.31%67.71%78.15%83rd pctl106 / 629
Brokered Deposits / Depositsn/aNot reported for this institution