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Conneaut Savings Bank, The

Conneaut, OH · Cert 28677 · Conneaut Bcorp MHC

SL · 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 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 under $1B in assets operating in a single state (n=743 to 746). 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

65

Q2 2024Q2 2026peer median (50)

Asset Quality

76

Q2 2024Q2 2026peer median (50)

Profitability

24

Q2 2024Q2 2026peer median (50)

Liquidity

79

Q2 2024Q2 2026peer median

Efficiency

15

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

Conneaut Savings Bank, The

Conneaut, OH · Cert 28677 · Conneaut Bcorp MHC

SL · FDIC · 1 branch

Q2 2026

$76.7MAssets
$54.1MLoans
$65.3MDeposits
$10.2MEquity
Loan mix
97%RE $53.4M3%C&I $1.6M0%Consumer $0.2MQ2 2025Q2 2026
Deposit mix
86%Interest-bearing $56.0M14%Noninterest $9.3MQ2 2025Q2 2026

NIM

3.76%Q2 ’243.94%Q2 ’254.43%Q2 ’26+10%+20%

Non-interest income vs. expense

2.99%Q2 ’243.24%Q2 ’253.11%Q2 ’26+11%-5%

Market Position · Cleveland, OH · 2026 SOD (annual) · 0.0% share · #29 of 35 inst. · $0.1B of $136.4B

Executive Summary

  • Earnings: ROA of 0.58%, up 59 bps year over year; NIM at 3.50%.
  • Asset quality: problem loans at 0.40% of loans (-48 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 15.09%, up 22 bps from a year ago.
  • Funding: loans stand at 82.79% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.58%+59 bps YoY

Net Interest Margin (YTD, annualized)

3.50%+59 bps YoY

Efficiency Ratio (YTD, annualized)

81.74%-1,948 bps YoY

Tier 1 Leverage Ratio

15.09%+22 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.01%0.06%0.12%0.68%0.58%+59 bps
Return on Equity-0.06%0.46%0.96%5.16%4.37%+443 bps
Net Interest Margin2.91%2.98%3.05%3.61%3.50%+59 bps
Efficiency Ratio101.22%98.73%96.40%78.73%81.74%-1,948 bps
Non-Interest Burden2.95%2.94%2.93%2.77%2.81%-14 bps
Growth
Asset Growth (YoY)-2.15%-2.47%1.71%1.46%1.30%+345 bps
Loan Growth (YoY)2.26%0.43%2.92%6.05%2.37%+11 bps
Deposit Growth (YoY)1.08%-0.05%3.24%1.32%1.94%+87 bps
Asset Quality
Nonperforming Loans / Loans0.88%0.86%0.69%0.35%0.40%-48 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.55%0.56%0.55%0.53%0.54%-1 bps
Allowance Coverage of NPLs0.6x0.7x0.8x1.5x1.3x+0.7x
Capital
Tier 1 Leverage Ratio14.88%15.19%15.07%15.10%15.09%+22 bps
Total Risk-Based Capital14.88%15.19%15.07%15.10%15.09%+22 bps
Equity / Assets12.74%13.24%13.17%13.28%13.27%+53 bps
Liquidity & Funding
Loans / Deposits82.45%82.00%81.77%85.42%82.79%+34 bps
Liquid Assets / Assets0.15%0.12%0.67%0.83%1.29%+114 bps
CRE / Total Capitaln/a97.29%96.30%114.31%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

Conneaut Savings Bank, The

Conneaut, OH · Cert 28677 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Conneaut Bcorp MHC

SL · FDIC · 1 branch

Q2 2026

$76.7MAssets
$54.1MLoans
$65.3MDeposits
$10.2MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
  • Widest gap: efficiency ratio trails 85% of banks under $1B in assets operating in a single state (rank 636 of 746).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.58%

Rank 618 of 746

Net Interest Margin

3.50%

Rank 452 of 746

Efficiency Ratio

81.74%

Rank 636 of 746

Equity / Assets

13.27%

Rank 172 of 746

Non-interest income vs. expense

$0.2M$2.4MINCOMEEXPENSE
Unfavorable gap of $2.2M · efficiency ratio beats 15% of banks under $1B in assets operating in a single state
Bank 81.74%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.58%0.72%1.06%1.45%Beats 17%618 / 746
Return on Equity4.34%6.74%10.51%13.63%Beats 16%630 / 746
Net Interest Margin3.50%3.17%3.68%4.16%Beats 39%452 / 746
Efficiency Ratio81.74%55.74%64.58%75.47%Beats 15%636 / 746
Asset Quality
Nonperforming Loans / Loans0.40%0.09%0.42%1.07%Beats 52%355 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio15.09%11.55%13.75%17.60%Beats 62%283 / 746
Total Risk-Based Capital Ratio15.09%11.71%14.33%18.43%Beats 56%325 / 746
Equity / Assets13.27%8.90%10.51%13.06%Beats 77%172 / 746
Liquidity & Funding
Loans / Deposits82.79%61.31%78.27%90.78%60th pctl302 / 746
Loans / Assets70.47%53.60%66.97%76.08%58th pctl310 / 746
Brokered Deposits / Depositsn/aNot reported for this institution