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Letter portraitLegal landscapeQuarterYTD

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