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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 0.98%, 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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.82%0.98%1.38%1.43%1.48%1.29%1.03%0.98%-46 bps
Return on Equity7.11%8.59%11.99%12.04%12.06%10.46%8.14%7.64%-440 bps
Net Interest Margin6.87%6.75%5.93%6.09%6.14%6.23%5.93%5.84%-25 bps
Efficiency Ratio85.66%82.61%72.69%72.67%72.03%75.50%79.82%80.67%+800 bps
Non-Interest Burden5.77%5.43%4.11%4.23%4.23%4.52%4.61%4.58%+35 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 / Loans0.04%0.03%0.15%0.06%0.12%0.03%0.00%-0.02%-8 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