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Consumers National Bank

Minerva, OH · Cert 19482 · Consumers Bcorp Inc.

National charter · OCC · 23 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

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 $1B-$10B in assets operating in a single state (n=268 to 269). 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

15

Q2 2024Q2 2026peer median (50)

Asset Quality

73

Q2 2024Q2 2026peer median (50)

Profitability

39

Q2 2024Q2 2026peer median (50)

Liquidity

88

Q2 2024Q2 2026peer median

Efficiency

29

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

Consumers National Bank

Minerva, OH · Cert 19482 · Consumers Bcorp Inc.

National charter · OCC · 23 branches

Q2 2026

$1.3BAssets
$938.6MLoans
$1.1BDeposits
$89.9MEquity
Loan mix
71%RE $624.2M14%C&I $123.7M15%Consumer $127.1MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $874.1M22%Noninterest $247.0MQ2 2025Q2 2026

NIM

4.51%Q2 ’244.58%Q2 ’254.79%Q2 ’26+7%+6%

Non-interest income vs. expense

2.32%Q2 ’242.48%Q2 ’252.50%Q2 ’26+8%+0%

Market Position · Canton-Massillon, OH · 2026 SOD (annual) · 6.2% share · #6 of 18 inst. · $0.7B of $10.7B

5.0% Stark
12.8% Columbiana
28.3% Carroll
8.6% Jefferson

Executive Summary

  • Earnings: ROA of 0.95%, up 20 bps year over year; NIM at 3.23%.
  • Asset quality: problem loans at 0.07% of loans (-5 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.35%, up 12 bps from a year ago.
  • Funding: loans stand at 83.72% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.95%+20 bps YoY

Net Interest Margin (YTD, annualized)

3.23%+18 bps YoY

Efficiency Ratio (YTD, annualized)

67.56%-306 bps YoY

Tier 1 Leverage Ratio

8.35%+12 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.75%0.81%0.84%0.94%0.95%+20 bps
Return on Equity11.76%12.43%12.69%13.25%13.42%+165 bps
Net Interest Margin3.05%3.05%3.05%3.28%3.23%+18 bps
Efficiency Ratio70.61%69.76%69.31%68.43%67.56%-306 bps
Non-Interest Burden2.02%1.98%1.97%2.09%2.03%+1 bps
Growth
Asset Growth (YoY)6.24%5.75%9.19%9.18%9.86%+362 bps
Loan Growth (YoY)7.14%8.67%14.30%17.87%15.27%+813 bps
Deposit Growth (YoY)6.59%7.08%9.14%8.21%8.10%+152 bps
Asset Quality
Nonperforming Loans / Loans0.13%0.12%0.11%0.06%0.07%-5 bps
Net Charge-Offs / Loans0.09%0.07%0.06%0.03%0.00%-8 bps
Allowance / Loans1.04%1.04%1.01%0.98%0.99%-5 bps
Allowance Coverage of NPLs8.2x9.0x9.0x16.2x13.3x+5.1x
Capital
Tier 1 Leverage Ratio8.23%8.24%8.28%8.37%8.35%+12 bps
Total Risk-Based Capital12.00%12.03%11.94%12.07%11.93%-7 bps
Equity / Assets6.50%6.88%7.12%7.03%7.03%+53 bps
Liquidity & Funding
Loans / Deposits78.51%78.09%80.13%81.56%83.72%+520 bps
Liquid Assets / Assets0.49%1.18%0.40%0.38%0.37%-12 bps
CRE / Total Capitaln/a363%365%367%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

Consumers National Bank

Minerva, OH · Cert 19482 · Peer group: banks $1B-$10B in assets operating in a single state (n=268-269) · Consumers Bcorp Inc.

National charter · OCC · 23 branches

Q2 2026

$1.3BAssets
$938.6MLoans
$1.1BDeposits
$89.9MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 91% of banks $1B-$10B in assets operating in a single state (rank 26 of 269).
  • Widest gap: equity / assets trails 97% of banks $1B-$10B in assets operating in a single state (rank 261 of 269).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.92%

Rank 204 of 269

Net Interest Margin

3.23%

Rank 187 of 269

Efficiency Ratio

67.68%

Rank 190 of 268

Equity / Assets

7.03%

Rank 261 of 269

Non-interest income vs. expense

$6.0M$31.6MINCOMEEXPENSE
Unfavorable gap of $25.6M · efficiency ratio beats 29% of banks $1B-$10B in assets operating in a single state
Bank 67.68%Peer median 60.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.92%0.93%1.23%1.54%Beats 24%204 / 269
Return on Equity13.09%9.13%11.77%14.52%Beats 62%101 / 269
Net Interest Margin3.23%3.16%3.50%3.88%Beats 30%187 / 269
Efficiency Ratio67.68%51.70%60.21%69.66%Beats 29%190 / 268
Asset Quality
Nonperforming Loans / Loans0.07%0.19%0.45%0.89%Beats 91%26 / 269
Net Charge-Offs / Loans0.02%0.01%0.02%0.06%Beats 54%127 / 269
Capital
Tier 1 Capital Ratio10.91%11.29%13.10%15.21%Beats 20%214 / 269
Total Risk-Based Capital Ratio11.93%12.04%13.91%16.33%Beats 23%206 / 269
Equity / Assets7.03%9.18%10.29%11.76%Beats 3%261 / 269
Liquidity & Funding
Loans / Deposits83.72%72.68%86.29%95.72%43rd pctl154 / 269
Loans / Assets73.36%62.46%72.27%78.37%54th pctl124 / 269
Brokered Deposits / Depositsn/aNot reported for this institution