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Peoples State Bank, The

Ellettsville, IN · Cert 14113 · Ellettsville Bancshares Inc.

State charter, non-member · FDIC · 10 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

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 operating in a single state (n=743 to 746). 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

19

Q2 2024Q2 2026peer median (50)

Asset Quality

84

Q2 2024Q2 2026peer median (50)

Profitability

52

Q2 2024Q2 2026peer median (50)

Liquidity

50

Q2 2024Q2 2026peer median

Efficiency

50

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, The

Ellettsville, IN · Cert 14113 · Ellettsville Bancshares Inc.

State charter, non-member · FDIC · 10 branches

Q2 2026

$506.6MAssets
$277.4MLoans
$444.3MDeposits
$47.3MEquity
Loan mix
91%RE $241.6M7%C&I $19.8M1%Consumer $3.3MQ3 2024Q2 2026
Deposit mix
78%Interest-bearing $348.4M22%Noninterest $95.9MQ3 2024Q2 2026

Market Position · Bloomington, IN · 2026 SOD (annual) · 9.1% share · #5 of 14 inst. · $0.3B of $3.8B

7.7% Monroe
26.9% Owen
34.8% Brown
2.2% Morgan

Executive Summary

  • Earnings: ROA of 1.16%, up 33 bps year over year; NIM at 3.42%.
  • Asset quality: problem loans at 0.19% of loans (-7 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.47%, down 5 bps from a year ago.
  • Funding: loans stand at 62.43% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.16%+33 bps YoY

Net Interest Margin (YTD, annualized)

3.42%+30 bps YoY

Efficiency Ratio (YTD, annualized)

64.53%-700 bps YoY

Tier 1 Leverage Ratio

10.47%-5 bps YoY

NIM

4.82%Q2 ’244.87%Q2 ’254.88%Q2 ’26+10%+10%

Non-interest income vs. expense

2.54%Q2 ’242.68%Q2 ’252.66%Q2 ’26+5%-5%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.76%0.79%0.79%0.83%0.91%0.88%1.07%1.16%+33 bps
Return on Equity9.16%9.45%9.18%9.55%10.24%9.79%11.35%12.34%+279 bps
Net Interest Margin2.87%2.86%3.10%3.12%3.16%3.17%3.53%3.42%+30 bps
Efficiency Ratio73.33%72.65%73.14%71.53%69.42%70.12%66.27%64.53%-700 bps
Non-Interest Burden1.93%1.91%2.10%2.05%2.00%2.04%2.11%1.95%-9 bps
Growth
Asset Growth (YoY)2.77%3.11%2.48%1.58%1.89%3.34%6.32%8.95%+737 bps
Loan Growth (YoY)5.08%2.65%6.17%5.41%5.78%9.76%6.80%7.19%+178 bps
Deposit Growth (YoY)0.57%3.05%1.09%0.49%1.65%2.64%7.14%9.35%+886 bps
Asset Quality
Nonperforming Loans / Loans0.02%0.09%0.06%0.26%0.41%0.41%0.19%0.19%-7 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.02%0.00%0.00%0 bps
Allowance / Loans1.04%1.04%1.02%1.01%1.01%1.01%1.02%1.01%0 bps
Allowance Coverage of NPLs63.6x10.9x17.3x3.9x2.5x2.4x5.5x5.3x+1.4x
Capital
Tier 1 Leverage Ratio10.15%10.08%10.43%10.51%10.66%10.51%10.73%10.47%-5 bps
Total Risk-Based Capital10.15%10.08%10.43%10.51%10.66%10.51%10.73%10.47%-5 bps
Equity / Assets8.86%8.34%8.80%8.95%9.43%9.48%9.41%9.34%+40 bps
Liquidity & Funding
Loans / Deposits62.13%60.16%64.39%63.69%64.66%64.34%64.19%62.43%-126 bps
Liquid Assets / Assets12.97%13.33%11.99%13.05%12.75%13.28%12.95%14.27%+123 bps
CRE / Total Capitaln/an/an/an/a280%280%273%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, The

Ellettsville, IN · Cert 14113 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Ellettsville Bancshares Inc.

State charter, non-member · FDIC · 10 branches

Q2 2026

$506.6MAssets
$277.4MLoans
$444.3MDeposits
$47.3MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
  • Widest gap: total risk-based capital ratio trails 88% of banks under $1B in assets operating in a single state (rank 656 of 746).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.13%

Rank 334 of 746

Net Interest Margin

3.42%

Rank 478 of 746

Efficiency Ratio

64.53%

Rank 372 of 746

Equity / Assets

9.34%

Rank 513 of 746

Non-interest income vs. expense

$3.7M$13.7MINCOMEEXPENSE
Unfavorable gap of $10.0M · efficiency ratio beats 50% of banks under $1B in assets operating in a single state
Bank 64.53%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.13%0.72%1.06%1.45%Beats 55%334 / 746
Return on Equity12.06%6.74%10.51%13.63%Beats 64%270 / 746
Net Interest Margin3.42%3.17%3.68%4.16%Beats 36%478 / 746
Efficiency Ratio64.53%55.74%64.58%75.47%Beats 50%372 / 746
Asset Quality
Nonperforming Loans / Loans0.19%0.09%0.42%1.07%Beats 67%246 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio10.47%11.55%13.75%17.60%Beats 13%646 / 746
Total Risk-Based Capital Ratio10.47%11.71%14.33%18.43%Beats 12%656 / 746
Equity / Assets9.34%8.90%10.51%13.06%Beats 31%513 / 746
Liquidity & Funding
Loans / Deposits62.43%61.31%78.27%90.78%26th pctl551 / 746
Loans / Assets54.75%53.60%66.97%76.08%27th pctl548 / 746
Brokered Deposits / Depositsn/aNot reported for this institution