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Southern Hills Community Bank

Leesburg, OH · Cert 29749

State savings bank · OCC · 8 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in OH3

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 in OH (n=68 to 71). 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

55

Q2 2024Q2 2026peer median (50)

Asset Quality

12

Q2 2024Q2 2026peer median (50)

Profitability

36

Q2 2024Q2 2026peer median (50)

Liquidity

5

Q2 2024Q2 2026peer median

Efficiency

20

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

Southern Hills Community Bank

Leesburg, OH · Cert 29749

State savings bank · OCC · 8 branches

Q2 2026

$209.6MAssets
$103.7MLoans
$179.5MDeposits
$27.5MEquity
Loan mix
88%RE $92.1M6%C&I $6.3M5%Consumer $5.7MQ2 2025Q2 2026
Deposit mix
85%Interest-bearing $152.0M15%Noninterest $27.6MQ2 2025Q2 2026

NIM

4.74%Q2 ’244.94%Q2 ’255.18%Q2 ’26-1%+9%

Non-interest income vs. expense

3.83%Q2 ’243.75%Q2 ’253.50%Q2 ’26-19%+14%

Market Position · Cincinnati, OH-KY-IN · 2026 SOD (annual) · 0.0% share · #43 of 54 inst. · $0.1B of $187.5B

2.4% Highland
7.4% Brown
2.2% Adams

Executive Summary

  • Earnings: ROA of 0.62%, down 10 bps year over year; NIM at 3.87%.
  • Asset quality: problem loans at 1.58% of loans (+104 bps YoY), with net charge-offs at 0.14%.
  • Capital: tier 1 leverage ratio of 13.77%, down 16 bps from a year ago.
  • Funding: loans stand at 57.76% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.62%-10 bps YoY

Net Interest Margin (YTD, annualized)

3.87%+31 bps YoY

Efficiency Ratio (YTD, annualized)

82.52%+39 bps YoY

Tier 1 Leverage Ratio

13.77%-16 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.72%0.48%0.50%0.55%0.62%-10 bps
Return on Equity5.34%3.52%3.70%4.05%4.64%-70 bps
Net Interest Margin3.57%3.68%3.68%3.92%3.87%+31 bps
Efficiency Ratio82.12%82.97%82.94%84.52%82.52%+39 bps
Non-Interest Burden2.75%2.92%2.95%3.27%3.13%+38 bps
Growth
Asset Growth (YoY)12.70%8.09%8.75%5.68%4.06%-864 bps
Loan Growth (YoY)-3.26%-4.18%-5.79%-6.07%-7.98%-471 bps
Deposit Growth (YoY)13.81%8.53%9.00%5.96%4.20%-961 bps
Asset Quality
Nonperforming Loans / Loans0.54%0.30%0.37%0.28%1.58%+104 bps
Net Charge-Offs / Loans0.05%0.05%0.07%0.07%0.14%+9 bps
Allowance / Loans1.03%1.02%1.03%1.05%1.01%-1 bps
Allowance Coverage of NPLs1.9x3.4x2.8x3.7x0.6x-1.3x
Capital
Tier 1 Leverage Ratio13.92%13.73%13.61%13.80%13.77%-16 bps
Total Risk-Based Capital13.92%13.73%13.61%13.80%13.77%-16 bps
Equity / Assets13.35%13.74%13.60%13.37%13.11%-24 bps
Liquidity & Funding
Loans / Deposits65.40%65.40%62.44%59.58%57.76%-764 bps
Liquid Assets / Assets4.84%3.64%2.26%1.77%1.61%-324 bps
CRE / Total Capitaln/a72.32%69.11%56.24%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

Southern Hills Community Bank

Leesburg, OH · Cert 29749 · Peer group: banks under $1B in assets in OH (n=68-71)

State savings bank · OCC · 8 branches

Q2 2026

$209.6MAssets
$103.7MLoans
$179.5MDeposits
$27.5MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 73% of banks under $1B in assets in OH (rank 19 of 71).
  • Widest gap: net charge-offs / loans trails 91% of banks under $1B in assets in OH (rank 63 of 68).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.61%

Rank 55 of 71

Net Interest Margin

3.87%

Rank 24 of 71

Efficiency Ratio

82.52%

Rank 58 of 71

Equity / Assets

13.11%

Rank 19 of 71

Non-interest income vs. expense

$0.8M$7.3MINCOMEEXPENSE
Unfavorable gap of $6.5M · efficiency ratio beats 20% of banks under $1B in assets in OH
Bank 82.52%Peer median 70.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.61%0.62%1.02%1.39%Beats 23%55 / 71
Return on Equity4.67%5.62%10.07%13.60%Beats 20%57 / 71
Net Interest Margin3.87%2.93%3.56%4.07%Beats 66%24 / 71
Efficiency Ratio82.52%55.94%70.77%78.80%Beats 20%58 / 71
Asset Quality
Nonperforming Loans / Loans1.58%0.08%0.27%0.97%Beats 15%59 / 68
Net Charge-Offs / Loans0.08%n/a0.00%0.05%Beats 9%63 / 68
Capital
Tier 1 Capital Ratio13.77%11.18%13.77%20.34%Beats 49%36 / 71
Total Risk-Based Capital Ratio13.77%12.08%14.34%21.24%Beats 44%40 / 71
Equity / Assets13.11%8.41%10.74%13.32%Beats 73%19 / 71
Liquidity & Funding
Loans / Deposits57.76%64.48%76.81%87.49%12th pctl60 / 68
Loans / Assets49.48%55.33%65.58%72.51%17th pctl59 / 71
Brokered Deposits / Depositsn/aNot reported for this institution