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Peoples Savings and Loan Company, The

Bucyrus, OH · Cert 29813

State charter, non-member · FDIC · 2 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

78

Q2 2024Q2 2026peer median (50)

Asset Quality

55

Q2 2024Q2 2026peer median (50)

Profitability

10

Q2 2024Q2 2026peer median (50)

Liquidity

4

Q2 2024Q2 2026peer median

Efficiency

14

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

Peoples Savings and Loan Company, The

Bucyrus, OH · Cert 29813

State charter, non-member · FDIC · 2 branches

Q2 2026

$157.4MAssets
$72.6MLoans
$126.2MDeposits
$30.9MEquity
Loan mix
89%RE $63.9M7%C&I $5.1M4%Consumer $2.8MQ2 2025Q2 2026
Deposit mix
92%Interest-bearing $116.4M8%Noninterest $9.8MQ2 2025Q2 2026

NIM

3.70%Q2 ’243.70%Q2 ’253.93%Q2 ’26-9%+13%

Non-interest income vs. expense

2.47%Q2 ’242.44%Q2 ’252.45%Q2 ’26-1%+0%

Executive Summary

  • Earnings: ROA of 0.39%, up 32 bps year over year; NIM at 2.60%.
  • Asset quality: problem loans at 2.22% of loans (+80 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 20.34%, up 24 bps from a year ago.
  • Funding: loans stand at 57.55% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.39%+32 bps YoY

Net Interest Margin (YTD, annualized)

2.60%+31 bps YoY

Efficiency Ratio (YTD, annualized)

86.16%-1,017 bps YoY

Tier 1 Leverage Ratio

20.34%+24 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.07%0.12%0.19%0.37%0.39%+32 bps
Return on Equity0.37%0.63%0.97%1.91%2.03%+166 bps
Net Interest Margin2.29%2.34%2.36%2.57%2.60%+31 bps
Efficiency Ratio96.33%94.65%92.39%86.89%86.16%-1,017 bps
Non-Interest Burden2.20%2.20%2.16%2.21%2.21%+1 bps
Growth
Asset Growth (YoY)6.01%1.22%0.62%3.53%0.74%-527 bps
Loan Growth (YoY)5.10%7.08%10.58%10.88%7.13%+203 bps
Deposit Growth (YoY)7.28%1.43%0.42%3.80%0.23%-705 bps
Asset Quality
Nonperforming Loans / Loans1.42%1.89%2.11%1.12%2.22%+80 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.36%0.35%0.34%0.34%0.33%-2 bps
Allowance Coverage of NPLs0.3x0.2x0.2x0.3x0.2x-0.1x
Capital
Tier 1 Leverage Ratio20.10%20.34%20.17%20.11%20.34%+24 bps
Total Risk-Based Capital20.10%20.34%20.17%20.11%20.34%+24 bps
Equity / Assets19.23%19.22%19.38%19.13%19.62%+39 bps
Liquidity & Funding
Loans / Deposits53.84%54.89%56.69%55.39%57.55%+371 bps
Liquid Assets / Assets44.09%42.62%42.14%40.66%41.06%-303 bps
CRE / Total Capitaln/a7.15%7.06%8.27%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

Peoples Savings and Loan Company, The

Bucyrus, OH · Cert 29813 · Peer group: banks under $1B in assets in OH (n=68-71)

State charter, non-member · FDIC · 2 branches

Q2 2026

$157.4MAssets
$72.6MLoans
$126.2MDeposits
$30.9MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in OH (rank 26 of 68).
  • Widest gap: return on equity trails 94% of banks under $1B in assets in OH (rank 67 of 71).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.40%

Rank 63 of 71

Net Interest Margin

2.60%

Rank 62 of 71

Efficiency Ratio

86.16%

Rank 62 of 71

Equity / Assets

19.62%

Rank 9 of 71

Non-interest income vs. expense

$0.4M$3.9MINCOMEEXPENSE
Unfavorable gap of $3.5M · efficiency ratio beats 14% of banks under $1B in assets in OH
Bank 86.16%Peer median 70.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.40%0.62%1.02%1.39%Beats 11%63 / 71
Return on Equity2.02%5.62%10.07%13.60%Beats 6%67 / 71
Net Interest Margin2.60%2.93%3.56%4.07%Beats 13%62 / 71
Efficiency Ratio86.16%55.94%70.77%78.80%Beats 14%62 / 71
Asset Quality
Nonperforming Loans / Loans2.22%0.08%0.27%0.97%Beats 9%63 / 68
Net Charge-Offs / Loans0.00%n/a0.00%0.05%Beats 100%26 / 68
Capital
Tier 1 Capital Ratio20.34%11.18%13.77%20.34%Beats 75%18 / 71
Total Risk-Based Capital Ratio20.34%12.08%14.34%21.24%Beats 72%20 / 71
Equity / Assets19.62%8.41%10.74%13.32%Beats 87%9 / 71
Liquidity & Funding
Loans / Deposits57.55%64.48%76.81%87.49%10th pctl61 / 68
Loans / Assets46.16%55.33%65.58%72.51%11th pctl63 / 71
Brokered Deposits / Depositsn/aNot reported for this institution