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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 $1.1MQ3 2024Q2 2026
Deposit mix
60%Interest-bearing $7.2M40%Noninterest $4.9MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.91%, down 58 bps year over year; NIM at 5.74%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.04%.
  • 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.

Return on Assets (quarter, annualized)

0.91%-58 bps YoY

Net Interest Margin (quarter, annualized)

5.74%-48 bps YoY

Efficiency Ratio (quarter, annualized)

81.53%+888 bps YoY

Tier 1 Leverage Ratio

13.04%+69 bps YoY

NIM

6.86%Q2 ’246.49%Q2 ’256.05%Q2 ’26-6%-8%

Non-interest income vs. expense

4.47%Q2 ’245.00%Q2 ’255.22%Q2 ’26+16%+5%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-2.80%1.51%1.38%1.49%1.58%0.72%1.03%0.91%-58 bps
Return on Equity-23.39%13.47%11.99%12.05%12.09%5.52%8.14%7.15%-490 bps
Net Interest Margin6.46%6.42%5.93%6.21%6.00%5.96%5.93%5.74%-48 bps
Efficiency Ratio138.02%72.87%72.69%72.65%70.69%86.40%79.82%81.53%+888 bps
Non-Interest Burden9.27%4.46%4.11%4.33%4.05%5.05%4.61%4.55%+22 bps
Growth
Asset Growth (YoY)-16.40%-9.59%-5.09%-5.02%-5.32%-9.64%-1.35%1.49%+651 bps
Loan Growth (YoY)-0.43%-7.32%-2.57%-5.27%0.69%-4.90%-2.71%-3.43%+185 bps
Deposit Growth (YoY)-17.22%-10.10%-5.45%-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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.15%-0.04%0.23%-0.24%0.00%-0.04%0 bps
Allowance / Loans0.82%0.81%0.77%0.80%0.73%0.81%0.79%0.84%+4 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio11.27%11.73%12.15%12.35%12.76%13.01%12.89%13.04%+69 bps
Total Risk-Based Capital11.27%11.73%12.15%12.35%12.76%13.01%12.89%13.04%+69 bps
Equity / Assets11.40%11.10%11.88%12.82%13.31%12.92%12.40%13.01%+19 bps
Liquidity & Funding
Loans / Deposits82.08%77.25%81.41%84.60%89.24%83.03%80.76%80.67%-392 bps
Liquid Assets / Assets10.08%9.46%9.78%10.51%5.17%5.08%4.81%5.01%-550 bps
CRE / Total Capitaln/an/an/an/a114.84%131.08%127.19%n/an/a