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Letter portraitLegal landscapeQuarterYTD

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