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Peoples State Bank

Blair, OK · Cert 17138

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in OK3

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 OK (n=87 to 88). 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

56

Q2 2024Q2 2026peer median (50)

Asset Quality

82

Q2 2024Q2 2026peer median (50)

Profitability

52

Q2 2024Q2 2026peer median (50)

Liquidity

57

Q2 2024Q2 2026peer median

Efficiency

16

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 State Bank

Blair, OK · Cert 17138

State charter, non-member · FDIC · 1 branch

Q2 2026

$13.9MAssets
$9.8MLoans
$12.1MDeposits
$1.8MEquity
Loan mix
36%RE $2.6M49%C&I $3.5M16%Consumer $1.1MQ2 2025Q2 2026
Deposit mix
60%Interest-bearing $7.2M40%Noninterest $4.9MQ2 2025Q2 2026

NIM

6.99%Q2 ’246.38%Q2 ’256.17%Q2 ’26-10%-4%

Non-interest income vs. expense

4.60%Q2 ’244.93%Q2 ’255.23%Q2 ’26+10%+8%

Executive Summary

  • Earnings: ROA of 0.98%, down 46 bps year over year; NIM at 5.84%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 13.04%, up 69 bps from a year ago.
  • Funding: loans stand at 80.67% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.98%-46 bps YoY

Net Interest Margin (YTD, annualized)

5.84%-25 bps YoY

Efficiency Ratio (YTD, annualized)

80.67%+800 bps YoY

Tier 1 Leverage Ratio

13.04%+69 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.43%1.48%1.29%1.03%0.98%-46 bps
Return on Equity12.04%12.06%10.46%8.14%7.64%-440 bps
Net Interest Margin6.09%6.14%6.23%5.93%5.84%-25 bps
Efficiency Ratio72.67%72.03%75.50%79.82%80.67%+800 bps
Non-Interest Burden4.23%4.23%4.52%4.61%4.58%+35 bps
Growth
Asset Growth (YoY)-5.02%-5.32%-9.64%-1.35%1.49%+651 bps
Loan Growth (YoY)-5.27%0.69%-4.90%-2.71%-3.43%+185 bps
Deposit Growth (YoY)-4.92%-7.39%-11.52%-1.92%1.27%+619 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.06%0.12%0.03%0.00%-0.02%-8 bps
Allowance / Loans0.80%0.73%0.81%0.79%0.84%+4 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio12.35%12.76%13.01%12.89%13.04%+69 bps
Total Risk-Based Capital12.35%12.76%13.01%12.89%13.04%+69 bps
Equity / Assets12.82%13.31%12.92%12.40%13.01%+19 bps
Liquidity & Funding
Loans / Deposits84.60%89.24%83.03%80.76%80.67%-392 bps
Liquid Assets / Assets10.51%5.17%5.08%4.81%5.01%-550 bps
CRE / Total Capitaln/a114.84%131.08%127.19%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 State Bank

Blair, OK · Cert 17138 · Peer group: banks under $1B in assets in OK (n=87-88)

State charter, non-member · FDIC · 1 branch

Q2 2026

$13.9MAssets
$9.8MLoans
$12.1MDeposits
$1.8MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in OK (rank 11 of 87).
  • Widest gap: efficiency ratio trails 84% of banks under $1B in assets in OK (rank 75 of 88).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.98%

Rank 61 of 88

Net Interest Margin

5.84%

Rank 2 of 88

Efficiency Ratio

80.67%

Rank 75 of 88

Equity / Assets

13.01%

Rank 26 of 88

Non-interest income vs. expense

$90K$726KINCOMEEXPENSE
Unfavorable gap of $636K · efficiency ratio beats 16% of banks under $1B in assets in OK
Bank 80.67%Peer median 61.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.98%0.85%1.26%1.62%Beats 31%61 / 88
Return on Equity7.55%7.40%11.89%14.66%Beats 26%65 / 88
Net Interest Margin5.84%3.51%3.93%4.47%Beats 98%2 / 88
Efficiency Ratio80.67%54.70%61.50%71.28%Beats 16%75 / 88
Asset Quality
Nonperforming Loans / Loans0.00%0.30%0.82%2.25%Beats 100%11 / 87
Net Charge-Offs / Loans0.01%0.00%0.03%0.20%Beats 64%32 / 87
Capital
Tier 1 Capital Ratio13.04%10.89%13.04%16.40%Beats 50%44 / 88
Total Risk-Based Capital Ratio13.04%11.20%13.09%16.43%Beats 48%46 / 88
Equity / Assets13.01%9.26%10.95%13.63%Beats 70%26 / 88
Liquidity & Funding
Loans / Deposits80.67%60.39%72.27%84.01%66th pctl30 / 87
Loans / Assets70.13%52.51%63.37%71.46%66th pctl30 / 88
Brokered Deposits / Depositsn/aNot reported for this institution