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Logansport Savings Bank

Logansport, IN · Cert 29907 · Logansport Financial Corp.

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 operating in a single state3

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 operating in a single state (n=751 to 755). 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

12

Q2 2024Q2 2026peer median (50)

Asset Quality

33

Q2 2024Q2 2026peer median (50)

Profitability

32

Q2 2024Q2 2026peer median (50)

Liquidity

94

Q2 2024Q2 2026peer median

Efficiency

22

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

Logansport Savings Bank

Logansport, IN · Cert 29907 · Logansport Financial Corp.

State charter, non-member · FDIC · 2 branches

Q2 2026

$276.5MAssets
$191.4MLoans
$239.3MDeposits
$23.8MEquity
Loan mix
84%RE $144.5M15%C&I $25.5M1%Consumer $1.3MQ2 2025Q2 2026
Deposit mix
86%Interest-bearing $205.0M14%Noninterest $34.3MQ2 2025Q2 2026

NIM

5.16%Q2 ’245.17%Q2 ’255.08%Q2 ’26+4%+11%

Non-interest income vs. expense

2.68%Q2 ’242.50%Q2 ’252.68%Q2 ’26-3%+9%

Executive Summary

  • Earnings: ROA of 0.79%, up 16 bps year over year; NIM at 3.12%.
  • Asset quality: problem loans at 2.92% of loans (+98 bps YoY), with net recoveries of 0.21%.
  • Capital: tier 1 leverage ratio of 9.96%, down 39 bps from a year ago.
  • Funding: loans stand at 79.98% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.79%+16 bps YoY

Net Interest Margin (YTD, annualized)

3.12%+30 bps YoY

Efficiency Ratio (YTD, annualized)

77.38%-117 bps YoY

Tier 1 Leverage Ratio

9.96%-39 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.63%0.66%0.68%0.82%0.79%+16 bps
Return on Equity8.05%8.40%8.49%9.89%9.46%+141 bps
Net Interest Margin2.82%2.94%2.89%3.13%3.12%+30 bps
Efficiency Ratio78.55%77.52%77.39%78.44%77.38%-117 bps
Non-Interest Burden2.14%2.19%2.16%2.39%2.34%+20 bps
Growth
Asset Growth (YoY)4.28%5.13%-1.04%7.24%6.24%+196 bps
Loan Growth (YoY)1.36%1.44%2.76%5.49%9.23%+787 bps
Deposit Growth (YoY)5.35%6.17%-1.94%7.58%6.95%+160 bps
Asset Quality
Nonperforming Loans / Loans1.94%2.00%1.70%2.70%2.92%+98 bps
Net Charge-Offs / Loans0.01%0.00%0.01%-0.37%-0.21%-22 bps
Allowance / Loans1.07%1.08%1.03%1.05%1.03%-3 bps
Allowance Coverage of NPLs0.6x0.5x0.6x0.4x0.4x-0.2x
Capital
Tier 1 Leverage Ratio10.35%10.65%10.20%10.18%9.96%-39 bps
Total Risk-Based Capital10.35%10.65%10.20%10.18%9.96%-39 bps
Equity / Assets7.87%8.13%8.64%7.97%8.60%+73 bps
Liquidity & Funding
Loans / Deposits78.30%76.38%80.72%74.52%79.98%+167 bps
Liquid Assets / Assets4.48%6.32%2.33%7.96%1.40%-307 bps
CRE / Total Capitaln/a172.98%167.04%160.27%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

Logansport Savings Bank

Logansport, IN · Cert 29907 · Peer group: banks under $1B in assets operating in a single state (n=751-755) · Logansport Financial Corp.

State charter, non-member · FDIC · 2 branches

Q2 2026

$276.5MAssets
$191.4MLoans
$239.3MDeposits
$23.8MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 60% of banks under $1B in assets operating in a single state (rank 300 of 751).
  • Widest gap: nonperforming loans / loans trails 95% of banks under $1B in assets operating in a single state (rank 711 of 751).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.79%

Rank 532 of 755

Net Interest Margin

3.12%

Rank 576 of 755

Efficiency Ratio

77.38%

Rank 591 of 755

Equity / Assets

8.60%

Rank 599 of 755

Non-interest income vs. expense

$1.0M$7.8MINCOMEEXPENSE
Unfavorable gap of $6.8M · efficiency ratio beats 22% of banks under $1B in assets operating in a single state
Bank 77.38%Peer median 64.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.79%0.72%1.06%1.45%Beats 30%532 / 755
Return on Equity9.21%6.66%10.44%13.61%Beats 42%440 / 755
Net Interest Margin3.12%3.15%3.68%4.17%Beats 24%576 / 755
Efficiency Ratio77.38%55.75%64.78%75.61%Beats 22%591 / 755
Asset Quality
Nonperforming Loans / Loans2.92%0.09%0.42%1.05%Beats 5%711 / 751
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 60%300 / 751
Capital
Tier 1 Capital Ratio9.96%11.56%13.81%17.74%Beats 7%701 / 755
Total Risk-Based Capital Ratio9.96%11.72%14.46%18.53%Beats 7%703 / 755
Equity / Assets8.60%8.93%10.56%13.13%Beats 21%599 / 755
Liquidity & Funding
Loans / Deposits79.98%62.43%78.62%91.00%53rd pctl358 / 755
Loans / Assets69.22%54.70%67.27%76.55%55th pctl338 / 755
Brokered Deposits / Depositsn/aNot reported for this institution