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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