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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

4.83%Q2 ’245.11%Q2 ’255.18%Q2 ’260%+6%

Non-interest income vs. expense

3.90%Q2 ’243.65%Q2 ’253.49%Q2 ’26-43%+49%

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 0.70%, down 89 bps year over year; NIM at 3.88%.
  • Asset quality: problem loans at 1.58% of loans (+104 bps YoY), with net charge-offs at 0.21%.
  • 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 (quarter, annualized)

0.70%-89 bps YoY

Net Interest Margin (quarter, annualized)

3.88%+22 bps YoY

Efficiency Ratio (quarter, annualized)

80.60%+1,145 bps YoY

Tier 1 Leverage Ratio

13.77%-16 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.59%0.00%0.58%0.55%0.70%-89 bps
Return on Equity11.79%0.00%4.22%4.05%5.25%-653 bps
Net Interest Margin3.66%4.01%3.91%3.92%3.88%+22 bps
Efficiency Ratio69.15%84.73%82.84%84.52%80.60%+1,145 bps
Non-Interest Burden2.03%3.34%3.18%3.27%3.04%+100 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 / Loans0.06%0.05%0.11%0.07%0.21%+15 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