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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 assets3

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 (n=581 to 629). 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

13

Q2 2024Q2 2026peer median (50)

Asset Quality

33

Q2 2024Q2 2026peer median (50)

Profitability

37

Q2 2024Q2 2026peer median (50)

Liquidity

97

Q2 2024Q2 2026peer median

Efficiency

28

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 (n=581-629) · 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 59% of banks under $1B in assets (rank 242 of 581).
  • Widest gap: nonperforming loans / loans trails 93% of banks under $1B in assets (rank 540 of 581).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.79%

Rank 420 of 629

Net Interest Margin

3.12%

Rank 446 of 629

Efficiency Ratio

77.38%

Rank 451 of 629

Equity / Assets

8.60%

Rank 513 of 629

Non-interest income vs. expense

$1.0M$7.8MINCOMEEXPENSE
Unfavorable gap of $6.8M · efficiency ratio beats 28% of banks under $1B in assets
Bank 77.38%Peer median 67.8%Q2 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.79%0.60%1.01%1.45%Beats 33%420 / 629
Return on Equity9.21%5.38%9.30%13.28%Beats 49%323 / 629
Net Interest Margin3.12%3.03%3.54%4.05%Beats 29%446 / 629
Efficiency Ratio77.38%58.35%67.79%79.08%Beats 28%451 / 629
Asset Quality
Nonperforming Loans / Loans2.92%0.09%0.46%1.20%Beats 7%540 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 59%242 / 581
Capital
Tier 1 Capital Ratio9.96%11.24%13.84%18.77%Beats 10%565 / 629
Total Risk-Based Capital Ratio9.96%11.58%14.43%19.66%Beats 10%569 / 629
Equity / Assets8.60%9.09%10.65%13.80%Beats 18%513 / 629
Liquidity & Funding
Loans / Deposits79.98%67.24%80.90%93.48%49th pctl301 / 594
Loans / Assets69.22%53.31%67.71%78.15%54th pctl291 / 629
Brokered Deposits / Depositsn/aNot reported for this institution