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Peoples Savings Bank, The

Urbana, OH · Cert 29975

SL · 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

8

Q2 2024Q2 2026peer median (50)

Asset Quality

28

Q2 2024Q2 2026peer median (50)

Profitability

37

Q2 2024Q2 2026peer median (50)

Liquidity

34

Q2 2024Q2 2026peer median

Efficiency

41

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 Bank, The

Urbana, OH · Cert 29975

SL · FDIC · 2 branches

Q2 2026

$189.3MAssets
$157.5MLoans
$172.5MDeposits
$15.7MEquity
Loan mix
96%RE $151.2M2%C&I $2.6M2%Consumer $3.1MQ3 2024Q2 2026
Deposit mix
91%Interest-bearing $156.9M9%Noninterest $15.7MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.72%, up 10 bps year over year; NIM at 3.43%.
  • Asset quality: problem loans at 0.87% of loans (+40 bps YoY), with net charge-offs at 0.09%.
  • Capital: tier 1 leverage ratio of 8.96%, down 38 bps from a year ago.
  • Funding: loans stand at 91.29% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.72%+10 bps YoY

Net Interest Margin (YTD, annualized)

3.43%+10 bps YoY

Efficiency Ratio (YTD, annualized)

73.20%-744 bps YoY

Tier 1 Leverage Ratio

8.96%-38 bps YoY

NIM

4.93%Q2 ’245.07%Q2 ’255.29%Q2 ’26+0%+3%

Non-interest income vs. expense

3.58%Q2 ’242.85%Q2 ’252.64%Q2 ’26-21%-7%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.20%0.18%0.67%0.62%0.56%0.54%0.71%0.72%+10 bps
Return on Equity2.24%2.12%7.79%7.21%6.61%6.40%8.48%8.58%+137 bps
Net Interest Margin3.38%3.34%3.37%3.33%3.35%3.31%3.38%3.43%+10 bps
Efficiency Ratio92.33%92.78%78.38%80.63%77.12%78.18%74.89%73.20%-744 bps
Non-Interest Burden3.10%3.09%2.60%2.64%2.54%2.54%2.48%2.46%-18 bps
Growth
Asset Growth (YoY)7.99%5.97%8.01%9.96%10.87%12.93%11.32%11.15%+119 bps
Loan Growth (YoY)6.38%6.33%6.69%7.18%12.74%13.85%12.79%10.24%+306 bps
Deposit Growth (YoY)9.28%5.20%9.29%11.34%12.43%18.50%12.40%13.17%+183 bps
Asset Quality
Nonperforming Loans / Loans0.65%0.63%0.66%0.47%0.53%0.99%0.84%0.87%+40 bps
Net Charge-Offs / Loans0.03%0.02%0.16%0.08%0.09%0.11%0.18%0.09%+1 bps
Allowance / Loans0.85%0.87%0.82%0.80%0.86%0.82%0.78%0.82%+3 bps
Allowance Coverage of NPLs1.3x1.4x1.2x1.7x1.6x0.8x0.9x0.9x-0.8x
Capital
Tier 1 Leverage Ratio9.86%9.61%9.57%9.33%9.31%9.06%9.08%8.96%-38 bps
Total Risk-Based Capital9.86%9.61%9.57%9.33%9.31%9.06%9.08%8.96%-38 bps
Equity / Assets8.77%8.62%8.52%8.46%8.36%8.39%8.34%8.31%-15 bps
Liquidity & Funding
Loans / Deposits95.57%100.96%93.60%93.73%95.85%97.00%93.92%91.29%-243 bps
Liquid Assets / Assets6.59%4.92%7.91%7.89%6.09%5.01%7.88%9.56%+167 bps
CRE / Total Capitaln/an/an/an/a238%238%232%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 Bank, The

Urbana, OH · Cert 29975 · Peer group: banks under $1B in assets in OH (n=68-71)

SL · FDIC · 2 branches

Q2 2026

$189.3MAssets
$157.5MLoans
$172.5MDeposits
$15.7MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 44% of banks under $1B in assets in OH (rank 40 of 71).
  • Widest gap: total risk-based capital ratio trails 100% of banks under $1B in assets in OH (rank 71 of 71).
  • Overall: at or above the peer median on 0 of 9 directional measures.

Return on Assets

0.70%

Rank 51 of 71

Net Interest Margin

3.43%

Rank 43 of 71

Efficiency Ratio

73.20%

Rank 43 of 71

Equity / Assets

8.31%

Rank 55 of 71

Non-interest income vs. expense

$0.3M$5.0MINCOMEEXPENSE
Unfavorable gap of $4.6M · efficiency ratio beats 41% of banks under $1B in assets in OH
Bank 73.20%Peer median 70.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.70%0.62%1.02%1.39%Beats 28%51 / 71
Return on Equity8.41%5.62%10.07%13.60%Beats 44%40 / 71
Net Interest Margin3.43%2.93%3.56%4.07%Beats 39%43 / 71
Efficiency Ratio73.20%55.94%70.77%78.80%Beats 41%43 / 71
Asset Quality
Nonperforming Loans / Loans0.87%0.08%0.27%0.97%Beats 31%48 / 68
Net Charge-Offs / Loans0.05%n/a0.00%0.05%Beats 25%52 / 68
Capital
Tier 1 Capital Ratio8.96%11.18%13.77%20.34%Beats 0%71 / 71
Total Risk-Based Capital Ratio8.96%12.08%14.34%21.24%Beats 0%71 / 71
Equity / Assets8.31%8.41%10.74%13.32%Beats 23%55 / 71
Liquidity & Funding
Loans / Deposits91.30%64.48%76.81%87.49%82nd pctl12 / 68
Loans / Assets83.20%55.33%65.58%72.51%90th pctl7 / 71
Brokered Deposits / Depositsn/aNot reported for this institution