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Peoples State Bank of Newton, Illinois, The

Newton, IL · Cert 11722 · Peoples Bcorp Inc.

State charter, non-member · FDIC · 9 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in IL3

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 in IL (n=149 to 151). 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

51

Q2 2024Q2 2026peer median (50)

Asset Quality

66

Q2 2024Q2 2026peer median (50)

Profitability

70

Q2 2024Q2 2026peer median (50)

Liquidity

15

Q2 2024Q2 2026peer median

Efficiency

94

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 State Bank of Newton, Illinois, The

Newton, IL · Cert 11722 · Peoples Bcorp Inc.

State charter, non-member · FDIC · 9 branches

Q2 2026

$736.7MAssets
$501.1MLoans
$577.9MDeposits
$87.2MEquity
Loan mix
74%RE $310.9M23%C&I $98.1M3%Consumer $13.0MQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $462.4M20%Noninterest $115.5MQ2 2025Q2 2026

NIM

4.60%Q2 ’244.90%Q2 ’255.10%Q2 ’26+10%+15%

Non-interest income vs. expense

1.73%Q2 ’241.85%Q2 ’251.83%Q2 ’26+10%-2%

Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.0% share · #96 of 111 inst. · $0.0B of $141.7B

67.4% Jasper
43.5% Lawrence
7.9% Fayette
4.1% Marion

Executive Summary

  • Earnings: ROA of 1.48%, up 31 bps year over year; NIM at 3.49%.
  • Asset quality: problem loans at 0.54% of loans (+36 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 13.52%, up 229 bps from a year ago.
  • Funding: loans stand at 86.70% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.48%+31 bps YoY

Net Interest Margin (YTD, annualized)

3.49%+47 bps YoY

Efficiency Ratio (YTD, annualized)

46.07%-556 bps YoY

Tier 1 Leverage Ratio

13.52%+229 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.17%1.22%1.17%1.49%1.48%+31 bps
Return on Equity13.61%13.78%13.06%15.54%14.29%+67 bps
Net Interest Margin3.02%3.08%3.12%3.40%3.49%+47 bps
Efficiency Ratio51.64%50.34%50.43%43.83%46.07%-556 bps
Non-Interest Burden1.40%1.37%1.38%1.25%1.38%-3 bps
Growth
Asset Growth (YoY)1.63%1.63%3.47%3.81%6.13%+450 bps
Loan Growth (YoY)5.03%4.09%7.43%6.39%3.99%-104 bps
Deposit Growth (YoY)0.01%0.25%-2.75%-0.94%0.54%+53 bps
Asset Quality
Nonperforming Loans / Loans0.18%0.43%0.37%0.81%0.54%+36 bps
Net Charge-Offs / Loans0.01%-0.01%0.00%0.00%0.00%0 bps
Allowance / Loans1.15%1.19%1.22%1.30%1.36%+20 bps
Allowance Coverage of NPLs6.3x2.8x3.2x1.6x2.5x-3.9x
Capital
Tier 1 Leverage Ratio11.23%11.41%11.26%11.49%13.52%+229 bps
Total Risk-Based Capital11.23%11.41%11.26%11.49%13.52%+229 bps
Equity / Assets9.01%9.51%9.59%9.61%11.84%+284 bps
Liquidity & Funding
Loans / Deposits83.83%83.29%90.63%87.18%86.70%+288 bps
Liquid Assets / Assets3.36%4.60%3.00%6.22%7.33%+397 bps
CRE / Total Capitaln/a106.71%123.42%119.24%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 State Bank of Newton, Illinois, The

Newton, IL · Cert 11722 · Peer group: banks under $1B in assets in IL (n=149-151) · Peoples Bcorp Inc.

State charter, non-member · FDIC · 9 branches

Q2 2026

$736.7MAssets
$501.1MLoans
$577.9MDeposits
$87.2MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 94% of banks under $1B in assets in IL (rank 10 of 151).
  • Widest gap: total risk-based capital ratio trails 59% of banks under $1B in assets in IL (rank 89 of 151).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.46%

Rank 24 of 151

Net Interest Margin

3.49%

Rank 69 of 151

Efficiency Ratio

46.37%

Rank 10 of 151

Equity / Assets

11.84%

Rank 47 of 151

Non-interest income vs. expense

$3.4M$13.6MINCOMEEXPENSE
Unfavorable gap of $10.3M · efficiency ratio beats 94% of banks under $1B in assets in IL
Bank 46.37%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.46%0.70%1.03%1.34%Beats 84%24 / 151
Return on Equity12.35%6.74%9.34%12.94%Beats 73%41 / 151
Net Interest Margin3.49%3.02%3.43%3.83%Beats 54%69 / 151
Efficiency Ratio46.37%54.64%64.89%72.50%Beats 94%10 / 151
Asset Quality
Nonperforming Loans / Loans0.54%0.20%0.66%1.77%Beats 54%69 / 149
Net Charge-Offs / Loans0.00%0.00%0.02%0.07%Beats 77%36 / 149
Capital
Tier 1 Capital Ratio13.52%11.83%14.17%18.66%Beats 44%84 / 151
Total Risk-Based Capital Ratio13.52%12.22%14.54%19.92%Beats 41%89 / 151
Equity / Assets11.84%9.10%10.65%12.40%Beats 69%47 / 151
Liquidity & Funding
Loans / Deposits86.70%54.39%71.02%80.75%86th pctl21 / 149
Loans / Assets68.01%45.91%61.31%68.01%75th pctl38 / 151
Brokered Deposits / Depositsn/aNot reported for this institution