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Peoples First Savings Bank

Mason, OH · Cert 30688

State charter, non-member · FDIC · 2 branches

Q2 2026

$99.9MAssets
$88.6MLoans
$85.5MDeposits
$10.1MEquity
Loan mix
100%RE $82.2M0%C&I $0.0M0%Consumer $0.0MQ3 2024Q2 2026
Deposit mix
88%Interest-bearing $75.6M12%Noninterest $9.9MQ3 2024Q2 2026

Market Position · Cincinnati, OH-KY-IN · 2026 SOD (annual) · 0.0% share · #38 of 54 inst. · $0.1B of $187.5B

Executive Summary

  • Earnings: ROA of 0.43%, down 15 bps year over year; NIM at 3.42%.
  • Asset quality: problem loans at 2.34% of loans (+168 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.01%, up 53 bps from a year ago.
  • Funding: loans stand at 103.56% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.43%-15 bps YoY

Net Interest Margin (YTD, annualized)

3.42%+12 bps YoY

Efficiency Ratio (YTD, annualized)

85.10%+548 bps YoY

Tier 1 Leverage Ratio

10.01%+53 bps YoY

NIM

5.52%Q2 ’245.79%Q2 ’255.69%Q2 ’26+15%+4%

Non-interest income vs. expense

2.83%Q2 ’242.90%Q2 ’253.17%Q2 ’26+4%+12%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.33%0.30%0.64%0.58%0.58%0.45%0.47%0.43%-15 bps
Return on Equity3.61%3.25%6.97%6.25%6.24%4.82%4.89%4.35%-190 bps
Net Interest Margin2.91%2.87%3.19%3.30%3.35%3.31%3.41%3.42%+12 bps
Efficiency Ratio87.16%88.25%77.58%79.63%79.68%84.09%83.54%85.10%+548 bps
Non-Interest Burden2.49%2.50%2.40%2.56%2.60%2.74%2.79%2.87%+31 bps
Growth
Asset Growth (YoY)3.14%6.28%4.02%3.40%0.04%0.43%-1.28%-3.86%-727 bps
Loan Growth (YoY)2.29%1.24%1.49%0.69%-2.17%-2.83%-3.71%-3.69%-438 bps
Deposit Growth (YoY)5.35%8.68%8.40%7.92%2.04%3.15%1.25%0.38%-754 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.44%0.00%0.66%0.71%0.71%1.88%2.34%+168 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.66%0.66%0.67%0.67%0.68%0.69%0.71%0.71%+4 bps
Allowance Coverage of NPLsn/a1.5xn/a1.0x1.0x1.0x0.4x0.3x-0.7x
Capital
Tier 1 Leverage Ratio9.29%9.07%9.10%9.48%9.63%9.46%9.88%10.01%+53 bps
Total Risk-Based Capital14.37%14.23%14.67%14.73%14.90%14.91%15.19%15.36%+63 bps
Equity / Assets9.16%9.01%9.34%9.37%9.65%9.42%9.88%10.14%+76 bps
Liquidity & Funding
Loans / Deposits112.75%111.03%109.18%107.95%108.10%104.59%103.83%103.56%-438 bps
Liquid Assets / Assets4.76%6.34%5.83%6.47%6.81%9.47%3.40%2.94%-354 bps
CRE / Total Capitaln/an/an/an/a250%242%231%n/an/a