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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 $5.7MQ3 2024Q2 2026
Deposit mix
85%Interest-bearing $152.0M15%Noninterest $27.6MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.14%0.34%-0.17%0.72%0.48%0.50%0.55%0.62%-10 bps
Return on Equity1.00%2.44%-1.22%5.34%3.52%3.70%4.05%4.64%-70 bps
Net Interest Margin3.61%3.49%3.61%3.57%3.68%3.68%3.92%3.87%+31 bps
Efficiency Ratio94.77%89.76%99.90%82.12%82.97%82.94%84.52%82.52%+39 bps
Non-Interest Burden3.42%3.10%3.61%2.75%2.92%2.95%3.27%3.13%+38 bps
Growth
Asset Growth (YoY)6.32%5.67%11.46%12.70%8.09%8.75%5.68%4.06%-864 bps
Loan Growth (YoY)4.53%0.98%-3.31%-3.26%-4.18%-5.79%-6.07%-7.98%-471 bps
Deposit Growth (YoY)5.89%5.91%12.52%13.81%8.53%9.00%5.96%4.20%-961 bps
Asset Quality
Nonperforming Loans / Loans0.29%0.29%0.30%0.54%0.30%0.37%0.28%1.58%+104 bps
Net Charge-Offs / Loans0.08%0.07%0.05%0.05%0.05%0.07%0.07%0.14%+9 bps
Allowance / Loans1.01%1.01%1.08%1.03%1.02%1.03%1.05%1.01%-1 bps
Allowance Coverage of NPLs3.4x3.5x3.6x1.9x3.4x2.8x3.7x0.6x-1.3x
Capital
Tier 1 Leverage Ratio14.87%14.29%14.06%13.92%13.73%13.61%13.80%13.77%-16 bps
Total Risk-Based Capital14.87%14.29%14.06%13.92%13.73%13.61%13.80%13.77%-16 bps
Equity / Assets14.18%13.76%13.57%13.35%13.74%13.60%13.37%13.11%-24 bps
Liquidity & Funding
Loans / Deposits74.07%72.24%67.22%65.40%65.40%62.44%59.58%57.76%-764 bps
Liquid Assets / Assets7.93%4.24%6.05%4.84%3.64%2.26%1.77%1.61%-324 bps
CRE / Total Capitaln/an/an/an/a72.32%69.11%56.24%n/an/a