Peoples Savings Bank, The

Urbana, OH · Cert 29975

SL · FDIC · 2 branches

Q2 2026

$189.3MAssets

$157.5MLoans

$172.5MDeposits

$15.7MEquity

Loan mix

Deposit mix

NIM

Earnings: ROA of 0.72%, up 16 bps year over year; NIM at 3.59%.
Asset quality: problem loans at 0.87% of loans (+40 bps YoY), with net recoveries of 0.01%.

Return on Assets (quarter, annualized)

0.72%+16 bps YoY

Net Interest Margin (quarter, annualized)

3.59%+17 bps YoY

Efficiency Ratio (quarter, annualized)

71.64%-1,113 bps YoY

Tier 1 Leverage Ratio

8.96%-38 bps YoY

Discrete quarter, annualized.

Metric	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ
Earnings
Return on Assets	0.56%	0.46%	0.48%	0.71%	0.72%	+16 bps
Return on Equity	6.63%	5.48%	5.77%	8.48%	8.67%	+204 bps
Net Interest Margin	3.42%	3.51%	3.56%	3.38%	3.59%	+17 bps
Efficiency Ratio	82.77%	70.50%	81.07%	74.89%	71.64%	-1,113 bps
Non-Interest Burden	2.79%	2.42%	2.85%	2.48%	2.52%	-27 bps
Growth
Asset Growth (YoY)	9.96%	10.87%	12.93%	11.32%	11.15%	+119 bps
Loan Growth (YoY)	7.18%	12.74%	13.85%	12.79%	10.24%	+306 bps
Deposit Growth (YoY)	11.34%	12.43%	18.50%	12.40%	13.17%	+183 bps
Asset Quality
Nonperforming Loans / Loans	0.47%	0.53%	0.99%	0.84%	0.87%	+40 bps
Net Charge-Offs / Loans	0.01%	0.13%	0.16%	0.18%	-0.01%	-1 bps
Allowance / Loans	0.80%	0.86%	0.82%	0.78%	0.82%	+3 bps
Allowance Coverage of NPLs	1.7x	1.6x	0.8x	0.9x	0.9x	-0.8x
Capital
Tier 1 Leverage Ratio	9.33%	9.31%	9.06%	9.08%	8.96%	-38 bps
Total Risk-Based Capital	9.33%	9.31%	9.06%	9.08%	8.96%	-38 bps
Equity / Assets	8.46%	8.36%	8.39%	8.34%	8.31%	-15 bps
Liquidity & Funding
Loans / Deposits	93.73%	95.85%	97.00%	93.92%	91.29%	-243 bps
Liquid Assets / Assets	7.89%	6.09%	5.01%	7.88%	9.56%	+167 bps
CRE / Total Capital	n/a	238%	238%	232%	n/a	n/a