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Letter portraitLegal landscapeQuarterYTD

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 $1.7MQ3 2024Q2 2026
Deposit mix
84%Interest-bearing $66.0M16%Noninterest $13.0MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.14%0.13%0.39%0.44%0.44%0.40%0.54%0.69%+25 bps
Return on Equity1.49%1.46%4.52%5.05%5.08%4.52%6.10%7.69%+264 bps
Net Interest Margin2.04%2.09%2.46%2.51%2.55%2.60%2.74%2.80%+29 bps
Efficiency Ratio93.27%93.52%80.38%79.53%79.35%81.52%75.20%72.92%-661 bps
Non-Interest Burden1.90%1.95%1.95%1.97%2.01%2.11%2.04%2.02%+4 bps
Growth
Asset Growth (YoY)6.59%8.49%8.74%9.66%3.86%3.86%2.87%-0.84%-1,050 bps
Loan Growth (YoY)7.41%9.24%9.36%8.22%4.34%3.10%0.14%-1.70%-992 bps
Deposit Growth (YoY)10.25%13.00%14.16%13.03%7.68%7.40%4.57%3.16%-988 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.14%0.14%0.14%+14 bps
Net Charge-Offs / Loans-0.01%-0.01%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.87%0.84%0.82%0.82%0.85%0.83%0.84%0.85%+3 bps
Allowance Coverage of NPLs395.5xn/an/an/an/a5.9x5.9x5.9xn/a
Capital
Tier 1 Leverage Ratio8.88%8.78%8.70%8.62%8.75%8.85%8.91%8.99%+36 bps
Total Risk-Based Capital14.89%14.67%14.58%14.37%15.12%14.11%15.49%15.44%+107 bps
Equity / Assets8.88%8.82%8.60%8.48%9.00%8.95%8.83%9.04%+55 bps
Liquidity & Funding
Loans / Deposits128.84%130.45%128.90%127.45%124.84%125.23%123.44%121.44%-601 bps
Liquid Assets / Assets3.76%1.98%3.71%5.24%3.02%2.71%5.54%5.61%+36 bps
CRE / Total Capitaln/an/an/an/a139.40%111.87%118.74%n/an/a