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Peoples State Bank

Cherryvale, KS · Cert 16744 · First Howard Bankshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$23.5MAssets
$20.7MLoans
$17.4MDeposits
$4.7MEquity
Loan mix
78%RE $8.9M14%C&I $1.6M8%Consumer $0.9MQ2 2025Q2 2026
Deposit mix
64%Interest-bearing $11.2M36%Noninterest $6.2MQ2 2025Q2 2026

NIM

7.38%Q2 ’247.13%Q2 ’256.89%Q2 ’26-4%-8%

Non-interest income vs. expense

3.19%Q2 ’242.90%Q2 ’252.98%Q2 ’26+1%+8%

Executive Summary

  • Earnings: ROA of 2.21%, down 54 bps year over year; NIM at 5.23%.
  • Asset quality: problem loans at 0.33% of loans (-31 bps YoY), with net recoveries of 0.06%.
  • Capital: tier 1 leverage ratio of 19.83%, down 278 bps from a year ago.
  • Funding: loans stand at 118.87% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

2.21%-54 bps YoY

Net Interest Margin (quarter, annualized)

5.23%-43 bps YoY

Efficiency Ratio (quarter, annualized)

51.45%+552 bps YoY

Tier 1 Leverage Ratio

19.83%-278 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.76%2.86%2.44%2.42%2.21%-54 bps
Return on Equity11.78%11.98%11.43%12.31%11.04%-74 bps
Net Interest Margin5.66%6.16%5.69%5.15%5.23%-43 bps
Efficiency Ratio45.92%45.24%50.29%47.29%51.45%+552 bps
Non-Interest Burden2.25%2.35%2.71%2.15%2.42%+18 bps
Growth
Asset Growth (YoY)4.33%0.55%17.24%14.22%19.45%+1,511 bps
Loan Growth (YoY)0.96%9.48%16.83%20.34%25.95%+2,498 bps
Deposit Growth (YoY)11.70%-2.38%20.36%16.50%17.80%+610 bps
Asset Quality
Nonperforming Loans / Loans0.64%0.53%0.68%0.45%0.33%-31 bps
Net Charge-Offs / Loans-0.12%-0.09%-0.08%-0.07%-0.06%+6 bps
Allowance / Loans1.11%1.09%0.95%0.96%1.00%-11 bps
Allowance Coverage of NPLs1.7x2.1x1.4x2.1x3.0x+1.3x
Capital
Tier 1 Leverage Ratio22.61%23.56%20.42%19.56%19.83%-278 bps
Total Risk-Based Capital22.61%23.56%20.42%19.56%19.83%-278 bps
Equity / Assets24.14%23.60%19.44%19.94%20.20%-394 bps
Liquidity & Funding
Loans / Deposits111.17%130.11%118.26%118.94%118.87%+769 bps
Liquid Assets / Assets4.63%5.04%4.20%4.14%3.19%-143 bps
CRE / Total Capitaln/a10.94%17.89%17.59%n/an/a