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Peoples Savings Bank

Wellsburg, IA · Cert 14868 · PSB Corp.

State charter, non-member · FDIC · 3 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=748 to 752). 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

12

Q2 2024Q2 2026peer median (50)

Asset Quality

61

Q2 2024Q2 2026peer median (50)

Profitability

31

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

29

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 2026-10-10

Peoples Savings Bank

Wellsburg, IA · Cert 14868 · PSB Corp.

State charter, non-member · FDIC · 1 affiliate bank · 3 branches (5 in holding)

Q2 2026

$189.1MAssets
$143.6MLoans
$142.0MDeposits
$16.5MEquity
Loan mix
74%RE $76.9M22%C&I $22.7M4%Consumer $3.9MQ2 2025Q2 2026
Deposit mix
94%Interest-bearing $133.8M6%Noninterest $8.2MQ2 2025Q2 2026

NIM

5.16%Q2 ’245.45%Q2 ’255.65%Q2 ’26+5%+12%

Non-interest income vs. expense

2.56%Q2 ’242.55%Q2 ’252.80%Q2 ’26-3%+9%

Market Position · Waterloo-Cedar Falls, IA · 2026 SOD (annual) · 2.8% share · #12 of 23 inst. · $0.1B of $4.7B

13.8% Grundy
1.0% Hardin

Executive Summary

  • Earnings: ROA of 0.81%, up 21 bps year over year; NIM at 3.13%.
  • Asset quality: problem loans at 1.19% of loans (+73 bps YoY), with net recoveries of 0.03%.
  • Capital: tier 1 leverage ratio of 9.89%, up 74 bps from a year ago.
  • Funding: loans stand at 101.18% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.81%+21 bps YoY

Net Interest Margin (YTD, annualized)

3.13%+34 bps YoY

Efficiency Ratio (YTD, annualized)

73.15%-156 bps YoY

Tier 1 Leverage Ratio

9.89%+74 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.60%0.68%0.71%0.82%0.81%+21 bps
Return on Equity7.70%8.65%8.87%9.52%9.38%+168 bps
Net Interest Margin2.79%2.82%2.80%3.03%3.13%+34 bps
Efficiency Ratio74.71%73.32%73.34%72.63%73.15%-156 bps
Non-Interest Burden1.93%1.87%1.86%2.00%2.10%+18 bps
Growth
Asset Growth (YoY)9.89%6.77%5.57%-2.22%-0.56%-1,045 bps
Loan Growth (YoY)10.99%8.81%0.61%-3.89%-2.44%-1,343 bps
Deposit Growth (YoY)8.50%13.39%7.43%-4.44%-3.50%-1,199 bps
Asset Quality
Nonperforming Loans / Loans0.46%0.50%0.68%0.22%1.19%+73 bps
Net Charge-Offs / Loans0.02%0.00%0.01%-0.05%-0.03%-5 bps
Allowance / Loans0.95%1.00%1.01%1.04%1.03%+8 bps
Allowance Coverage of NPLs2.1x2.0x1.5x4.7x0.9x-1.2x
Capital
Tier 1 Leverage Ratio9.15%9.18%9.30%9.63%9.89%+74 bps
Total Risk-Based Capital9.15%9.18%9.30%9.63%9.89%+74 bps
Equity / Assets7.65%8.22%8.38%8.84%8.74%+109 bps
Liquidity & Funding
Loans / Deposits100.08%98.85%94.16%95.43%101.18%+109 bps
Liquid Assets / Assets0.68%0.83%3.92%1.43%0.91%+23 bps
CRE / Total Capitaln/a146.58%134.50%127.04%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 2026-10-10

Peoples Savings Bank

Wellsburg, IA · Cert 14868 · Peer group: banks under $1B in assets operating in a single state (n=748-752) · PSB Corp.

State charter, non-member · FDIC · 1 affiliate bank · 3 branches (5 in holding)

Q2 2026

$189.1MAssets
$143.6MLoans
$142.0MDeposits
$16.5MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 182 of 748).
  • Widest gap: total risk-based capital ratio trails 94% of banks under $1B in assets operating in a single state (rank 705 of 752).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.80%

Rank 524 of 752

Net Interest Margin

3.13%

Rank 580 of 752

Efficiency Ratio

73.15%

Rank 536 of 752

Equity / Assets

8.74%

Rank 584 of 752

Non-interest income vs. expense

$1.3M$5.3MINCOMEEXPENSE
Unfavorable gap of $4.0M · efficiency ratio beats 29% of banks under $1B in assets operating in a single state
Bank 73.15%Peer median 64.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.80%0.72%1.07%1.45%Beats 30%524 / 752
Return on Equity9.21%6.78%10.58%13.65%Beats 41%444 / 752
Net Interest Margin3.13%3.18%3.69%4.17%Beats 23%580 / 752
Efficiency Ratio73.15%55.75%64.49%75.47%Beats 29%536 / 752
Asset Quality
Nonperforming Loans / Loans1.19%0.09%0.42%1.03%Beats 22%586 / 748
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%182 / 748
Capital
Tier 1 Capital Ratio9.89%11.55%13.75%17.60%Beats 7%703 / 752
Total Risk-Based Capital Ratio9.89%11.70%14.33%18.47%Beats 6%705 / 752
Equity / Assets8.74%8.93%10.56%13.13%Beats 22%584 / 752
Liquidity & Funding
Loans / Deposits101.18%62.23%78.64%91.26%90th pctl72 / 752
Loans / Assets75.95%54.61%67.41%76.47%73rd pctl201 / 752
Brokered Deposits / Depositsn/aNot reported for this institution