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Peoples Savings and Loan Company, The

West Liberty, OH · Cert 30889

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

47

Q2 2024Q2 2026peer median (50)

Asset Quality

83

Q2 2024Q2 2026peer median (50)

Profitability

27

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

45

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 and Loan Company, The

West Liberty, OH · Cert 30889

SL · FDIC · 2 branches

Q2 2026

$109.9MAssets
$96.0MLoans
$79.1MDeposits
$9.9MEquity
Loan mix
97%RE $93.6M2%C&I $1.6M2%Consumer $1.7MQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $66.0M16%Noninterest $13.0MQ2 2025Q2 2026

NIM

4.31%Q2 ’244.70%Q2 ’254.84%Q2 ’26+23%+12%

Non-interest income vs. expense

1.98%Q2 ’242.07%Q2 ’252.10%Q2 ’26+5%+2%

Executive Summary

  • Earnings: ROA of 0.69%, up 25 bps year over year; NIM at 2.80%.
  • Asset quality: problem loans at 0.14% of loans (+14 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.99%, up 36 bps from a year ago.
  • Funding: loans stand at 121.44% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.69%+25 bps YoY

Net Interest Margin (YTD, annualized)

2.80%+29 bps YoY

Efficiency Ratio (YTD, annualized)

72.92%-661 bps YoY

Tier 1 Leverage Ratio

8.99%+36 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.44%0.44%0.40%0.54%0.69%+25 bps
Return on Equity5.05%5.08%4.52%6.10%7.69%+264 bps
Net Interest Margin2.51%2.55%2.60%2.74%2.80%+29 bps
Efficiency Ratio79.53%79.35%81.52%75.20%72.92%-661 bps
Non-Interest Burden1.97%2.01%2.11%2.04%2.02%+4 bps
Growth
Asset Growth (YoY)9.66%3.86%3.86%2.87%-0.84%-1,050 bps
Loan Growth (YoY)8.22%4.34%3.10%0.14%-1.70%-992 bps
Deposit Growth (YoY)13.03%7.68%7.40%4.57%3.16%-988 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.14%0.14%0.14%+14 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.82%0.85%0.83%0.84%0.85%+3 bps
Allowance Coverage of NPLsn/an/a5.9x5.9x5.9xn/a
Capital
Tier 1 Leverage Ratio8.62%8.75%8.85%8.91%8.99%+36 bps
Total Risk-Based Capital14.37%15.12%14.11%15.49%15.44%+107 bps
Equity / Assets8.48%9.00%8.95%8.83%9.04%+55 bps
Liquidity & Funding
Loans / Deposits127.45%124.84%125.23%123.44%121.44%-601 bps
Liquid Assets / Assets5.24%3.02%2.71%5.54%5.61%+36 bps
CRE / Total Capitaln/a139.40%111.87%118.74%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 and Loan Company, The

West Liberty, OH · Cert 30889 · Peer group: banks under $1B in assets in OH (n=68-71)

SL · FDIC · 2 branches

Q2 2026

$109.9MAssets
$96.0MLoans
$79.1MDeposits
$9.9MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in OH (rank 26 of 68).
  • Widest gap: net interest margin trails 85% of banks under $1B in assets in OH (rank 60 of 71).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.68%

Rank 52 of 71

Net Interest Margin

2.80%

Rank 60 of 71

Efficiency Ratio

72.92%

Rank 40 of 71

Equity / Assets

9.04%

Rank 48 of 71

Non-interest income vs. expense

$0.1M$2.3MINCOMEEXPENSE
Unfavorable gap of $2.2M · efficiency ratio beats 45% of banks under $1B in assets in OH
Bank 72.92%Peer median 70.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.68%0.62%1.02%1.39%Beats 27%52 / 71
Return on Equity7.57%5.62%10.07%13.60%Beats 38%44 / 71
Net Interest Margin2.80%2.93%3.56%4.07%Beats 15%60 / 71
Efficiency Ratio72.92%55.94%70.77%78.80%Beats 45%40 / 71
Asset Quality
Nonperforming Loans / Loans0.14%0.08%0.27%0.97%Beats 65%25 / 68
Net Charge-Offs / Loans0.00%n/a0.00%0.05%Beats 100%26 / 68
Capital
Tier 1 Capital Ratio14.26%11.18%13.77%20.34%Beats 52%34 / 71
Total Risk-Based Capital Ratio15.44%12.08%14.34%21.24%Beats 56%31 / 71
Equity / Assets9.04%8.41%10.74%13.32%Beats 32%48 / 71
Liquidity & Funding
Loans / Deposits121.44%64.48%76.81%87.49%99th pctl1 / 68
Loans / Assets87.36%55.33%65.58%72.51%96th pctl3 / 71
Brokered Deposits / Depositsn/aNot reported for this institution