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Peoples Bank, The

Marion, KY · Cert 16603 · Peoples-Marion Bcorp Inc.

State charter, Fed member · FED · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in KY3

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 in KY (n=69). 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

39

Q2 2024Q2 2026peer median (50)

Asset Quality

46

Q2 2024Q2 2026peer median (50)

Profitability

36

Q2 2024Q2 2026peer median (50)

Liquidity

38

Q2 2024Q2 2026peer median

Efficiency

20

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 Bank, The

Marion, KY · Cert 16603 · Peoples-Marion Bcorp Inc.

State charter, Fed member · FED · 4 branches

Q2 2026

$135.3MAssets
$110.9MLoans
$119.4MDeposits
$15.3MEquity
Loan mix
81%RE $75.1M17%C&I $15.3M2%Consumer $2.1MQ2 2025Q2 2026
Deposit mix
88%Interest-bearing $105.2M12%Noninterest $14.2MQ2 2025Q2 2026

NIM

6.25%Q2 ’246.10%Q2 ’255.99%Q2 ’26-4%+3%

Non-interest income vs. expense

3.05%Q2 ’242.96%Q2 ’253.12%Q2 ’26-1%+2%

Executive Summary

  • Earnings: ROA of 0.87%, up 19 bps year over year; NIM at 3.78%.
  • Asset quality: problem loans at 0.23% of loans (-10 bps YoY), with net charge-offs at 0.12%.
  • Capital: tier 1 leverage ratio of 11.55%, up 101 bps from a year ago.
  • Funding: loans stand at 92.88% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.87%+19 bps YoY

Net Interest Margin (YTD, annualized)

3.78%+12 bps YoY

Efficiency Ratio (YTD, annualized)

73.18%-5 bps YoY

Tier 1 Leverage Ratio

11.55%+101 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.68%0.79%0.72%0.59%0.87%+19 bps
Return on Equity6.58%7.46%6.76%5.31%7.78%+120 bps
Net Interest Margin3.66%3.76%3.79%3.69%3.78%+12 bps
Efficiency Ratio73.23%72.02%73.77%77.65%73.18%-5 bps
Non-Interest Burden2.58%2.58%2.68%2.77%2.64%+6 bps
Growth
Asset Growth (YoY)8.50%-2.77%3.48%-1.17%-2.29%-1,079 bps
Loan Growth (YoY)-0.61%0.22%1.18%0.54%7.44%+805 bps
Deposit Growth (YoY)9.38%-3.13%3.23%-2.01%-3.45%-1,283 bps
Asset Quality
Nonperforming Loans / Loans0.33%0.33%0.32%0.22%0.23%-10 bps
Net Charge-Offs / Loans-0.10%0.15%0.11%0.24%0.12%+22 bps
Allowance / Loans1.66%1.55%1.55%1.53%1.50%-16 bps
Allowance Coverage of NPLs5.0x4.7x4.9x7.1x6.4x+1.4x
Capital
Tier 1 Leverage Ratio10.55%11.02%11.43%11.27%11.55%+101 bps
Total Risk-Based Capital10.55%11.02%11.43%11.27%11.55%+101 bps
Equity / Assets10.23%11.17%11.09%11.06%11.32%+109 bps
Liquidity & Funding
Loans / Deposits83.47%89.71%89.07%88.44%92.88%+941 bps
Liquid Assets / Assets2.98%1.38%1.43%1.75%0.83%-215 bps
CRE / Total Capitaln/a297%297%297%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 Bank, The

Marion, KY · Cert 16603 · Peer group: banks under $1B in assets in KY (n=69) · Peoples-Marion Bcorp Inc.

State charter, Fed member · FED · 4 branches

Q2 2026

$135.3MAssets
$110.9MLoans
$119.4MDeposits
$15.3MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 68% of banks under $1B in assets in KY (rank 23 of 69).
  • Widest gap: efficiency ratio trails 80% of banks under $1B in assets in KY (rank 56 of 69).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.86%

Rank 50 of 69

Net Interest Margin

3.78%

Rank 32 of 69

Efficiency Ratio

73.18%

Rank 56 of 69

Equity / Assets

11.32%

Rank 25 of 69

Non-interest income vs. expense

$0.7M$4.2MINCOMEEXPENSE
Unfavorable gap of $3.5M · efficiency ratio beats 20% of banks under $1B in assets in KY
Bank 73.18%Peer median 63.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.86%0.83%1.18%1.44%Beats 28%50 / 69
Return on Equity7.64%7.64%11.70%15.70%Beats 25%52 / 69
Net Interest Margin3.78%3.45%3.75%3.96%Beats 54%32 / 69
Efficiency Ratio73.18%55.32%62.99%70.80%Beats 20%56 / 69
Asset Quality
Nonperforming Loans / Loans0.23%0.18%0.52%1.14%Beats 68%23 / 69
Net Charge-Offs / Loans0.07%0.01%0.02%0.06%Beats 23%54 / 69
Capital
Tier 1 Capital Ratio11.55%11.33%13.58%16.27%Beats 29%49 / 69
Total Risk-Based Capital Ratio11.55%11.55%14.43%17.27%Beats 25%52 / 69
Equity / Assets11.32%8.31%9.91%12.53%Beats 64%25 / 69
Liquidity & Funding
Loans / Deposits92.88%71.40%81.07%88.03%78th pctl15 / 69
Loans / Assets81.96%61.10%68.66%76.68%83rd pctl12 / 69
Brokered Deposits / Depositsn/aNot reported for this institution