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Peoples Bank, The

Taylorsville, KY · Cert 1566 · Lake Valley Bcorp Inc.

State charter, non-member · FDIC · 2 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

54

Q2 2024Q2 2026peer median (50)

Asset Quality

37

Q2 2024Q2 2026peer median (50)

Profitability

90

Q2 2024Q2 2026peer median (50)

Liquidity

100

Q2 2024Q2 2026peer median

Efficiency

66

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 Bank, The

Taylorsville, KY · Cert 1566 · Lake Valley Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$145.0MAssets
$104.1MLoans
$132.6MDeposits
$11.7MEquity
Loan mix
94%RE $94.5M3%C&I $3.1M3%Consumer $2.5MQ2 2025Q2 2026
Deposit mix
61%Interest-bearing $80.6M39%Noninterest $52.1MQ2 2025Q2 2026

NIM

5.27%Q2 ’245.58%Q2 ’255.70%Q2 ’26+5%+5%

Non-interest income vs. expense

2.91%Q2 ’242.91%Q2 ’252.94%Q2 ’26+4%+2%

Market Position · Louisville/Jefferson County, KY-IN · 2026 SOD (annual) · 0.3% share · #29 of 43 inst. · $0.1B of $48.2B

Executive Summary

  • Earnings: ROA of 1.68%, up 14 bps year over year; NIM at 4.62%.
  • Asset quality: problem loans at 0.97% of loans (+28 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 10.82%, down 75 bps from a year ago.
  • Funding: loans stand at 78.52% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.68%+14 bps YoY

Net Interest Margin (YTD, annualized)

4.62%+21 bps YoY

Efficiency Ratio (YTD, annualized)

58.62%-165 bps YoY

Tier 1 Leverage Ratio

10.82%-75 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.54%1.59%1.59%1.50%1.68%+14 bps
Return on Equity19.95%19.90%19.60%18.12%20.42%+47 bps
Net Interest Margin4.42%4.63%4.51%4.49%4.62%+21 bps
Efficiency Ratio60.27%59.97%60.66%61.43%58.62%-165 bps
Non-Interest Burden2.50%2.61%2.58%2.62%2.55%+5 bps
Growth
Asset Growth (YoY)8.07%8.78%5.06%6.87%12.07%+400 bps
Loan Growth (YoY)16.56%18.85%25.03%21.22%19.39%+283 bps
Deposit Growth (YoY)7.87%8.91%2.48%6.38%12.30%+443 bps
Asset Quality
Nonperforming Loans / Loans0.69%0.65%0.57%0.59%0.97%+28 bps
Net Charge-Offs / Loans0.03%0.03%0.03%0.00%-0.01%-3 bps
Allowance / Loans1.54%1.53%1.41%1.36%1.37%-17 bps
Allowance Coverage of NPLs2.2x2.4x2.5x2.3x1.4x-0.8x
Capital
Tier 1 Leverage Ratio11.57%12.00%11.40%11.01%10.82%-75 bps
Total Risk-Based Capital20.09%20.45%19.50%19.08%18.72%-137 bps
Equity / Assets8.17%8.88%8.52%8.07%8.05%-12 bps
Liquidity & Funding
Loans / Deposits73.85%76.82%78.36%77.52%78.52%+466 bps
Liquid Assets / Assets5.67%4.29%4.39%5.24%4.78%-88 bps
CRE / Total Capitaln/a178.07%196.78%212%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 Bank, The

Taylorsville, KY · Cert 1566 · Peer group: banks under $1B in assets operating in a single state (n=748-752) · Lake Valley Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$145.0MAssets
$104.1MLoans
$132.6MDeposits
$11.7MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 96% of banks under $1B in assets operating in a single state (rank 29 of 752).
  • Widest gap: equity / assets trails 87% of banks under $1B in assets operating in a single state (rank 651 of 752).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.64%

Rank 127 of 752

Net Interest Margin

4.62%

Rank 77 of 752

Efficiency Ratio

58.62%

Rank 256 of 752

Equity / Assets

8.05%

Rank 651 of 752

Non-interest income vs. expense

$0.6M$4.4MINCOMEEXPENSE
Unfavorable gap of $3.8M · efficiency ratio beats 66% of banks under $1B in assets operating in a single state
Bank 58.62%Peer median 64.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.64%0.72%1.07%1.45%Beats 83%127 / 752
Return on Equity20.37%6.78%10.58%13.65%Beats 96%29 / 752
Net Interest Margin4.62%3.18%3.69%4.17%Beats 90%77 / 752
Efficiency Ratio58.62%55.75%64.49%75.47%Beats 66%256 / 752
Asset Quality
Nonperforming Loans / Loans0.97%0.09%0.42%1.03%Beats 27%544 / 748
Net Charge-Offs / Loans0.01%0.00%0.01%0.05%Beats 47%401 / 748
Capital
Tier 1 Capital Ratio17.46%11.55%13.75%17.60%Beats 74%196 / 752
Total Risk-Based Capital Ratio18.72%11.70%14.33%18.47%Beats 76%180 / 752
Equity / Assets8.05%8.93%10.56%13.13%Beats 13%651 / 752
Liquidity & Funding
Loans / Deposits78.52%62.23%78.64%91.26%49th pctl380 / 752
Loans / Assets71.84%54.61%67.41%76.47%61st pctl296 / 752
Brokered Deposits / Depositsn/aNot reported for this institution