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Letter portraitLegal landscapeQuarterYTD

Hancock County Savings Bank, F.S.B.

Chester, WV · Cert 29035

State savings bank · OCC · 3 branches

Q2 2026

$508.0MAssets
$433.9MLoans
$401.2MDeposits
$92.4MEquity
Loan mix
97%RE $416.3M0%C&I $0.8M3%Consumer $13.9MQ2 2025Q2 2026
Deposit mix
90%Interest-bearing $360.5M10%Noninterest $40.7MQ2 2025Q2 2026

NIM

4.22%Q2 ’244.39%Q2 ’254.53%Q2 ’26+2%+11%

Non-interest income vs. expense

2.49%Q2 ’242.50%Q2 ’252.51%Q2 ’26+1%+1%

Market Position · Weirton-Steubenville, WV-OH · 2026 SOD (annual) · 16.0% share · #3 of 11 inst. · $0.4B of $2.5B

34.7% Brooke
33.1% Hancock

Executive Summary

  • Earnings: ROA of 0.97%, up 25 bps year over year; NIM at 3.49%.
  • Asset quality: problem loans at 0.63% of loans (+1 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 18.37%, up 59 bps from a year ago.
  • Funding: loans stand at 108.15% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.97%+25 bps YoY

Net Interest Margin (YTD, annualized)

3.49%+33 bps YoY

Efficiency Ratio (YTD, annualized)

65.53%-558 bps YoY

Tier 1 Leverage Ratio

18.37%+59 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.72%0.78%0.78%1.05%0.97%+25 bps
Return on Equity4.05%4.34%4.31%5.66%5.26%+121 bps
Net Interest Margin3.15%3.28%3.36%3.52%3.49%+33 bps
Efficiency Ratio71.11%68.87%69.44%64.10%65.53%-558 bps
Non-Interest Burden2.14%2.15%2.22%2.14%2.17%+3 bps
Growth
Asset Growth (YoY)3.38%1.51%0.22%0.84%3.81%+42 bps
Loan Growth (YoY)2.34%2.08%1.93%1.38%1.74%-60 bps
Deposit Growth (YoY)3.52%1.46%-0.23%0.48%4.24%+71 bps
Asset Quality
Nonperforming Loans / Loans0.63%0.68%0.79%0.76%0.63%+1 bps
Net Charge-Offs / Loans0.02%0.02%0.02%0.02%0.02%+1 bps
Allowance / Loans1.06%1.09%1.10%1.10%1.12%+6 bps
Allowance Coverage of NPLs1.7x1.6x1.4x1.4x1.8x+0.1x
Capital
Tier 1 Leverage Ratio17.79%18.30%18.69%18.69%18.37%+59 bps
Total Risk-Based Capital35.94%36.22%36.55%37.08%36.88%+94 bps
Equity / Assets17.98%18.52%18.70%18.40%18.19%+20 bps
Liquidity & Funding
Loans / Deposits110.81%113.72%114.27%110.20%108.15%-265 bps
Liquid Assets / Assets7.46%5.66%5.95%8.25%7.96%+50 bps
CRE / Total Capitaln/a17.68%18.06%17.01%n/an/a