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Woodsfield Savings Bank

Woodsfield, OH · Cert 32292

State charter, non-member · FDIC · 3 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

43

Q2 2024Q2 2026peer median (50)

Asset Quality

26

Q2 2024Q2 2026peer median (50)

Profitability

70

Q2 2024Q2 2026peer median (50)

Liquidity

88

Q2 2024Q2 2026peer median

Efficiency

55

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

Woodsfield Savings Bank

Woodsfield, OH · Cert 32292

State charter, non-member · FDIC · 3 branches

Q2 2026

$123.3MAssets
$89.4MLoans
$112.7MDeposits
$10.0MEquity
Loan mix
80%RE $69.1M7%C&I $6.3M13%Consumer $11.3MQ2 2025Q2 2026
Deposit mix
73%Interest-bearing $82.8M27%Noninterest $29.9MQ2 2025Q2 2026

NIM

4.65%Q2 ’245.07%Q2 ’255.41%Q2 ’26+17%+19%

Non-interest income vs. expense

3.30%Q2 ’243.21%Q2 ’253.25%Q2 ’26-5%+3%

Market Position · Wheeling, WV-OH · 2026 SOD (annual) · 0.5% share · #11 of 13 inst. · $0.0B of $5.5B

19.9% Monroe
1.2% Belmont
3.1% Harrison

Executive Summary

  • Earnings: ROA of 1.10%, up 56 bps year over year; NIM at 4.35%.
  • Asset quality: problem loans at 0.92% of loans (+30 bps YoY), with net charge-offs at 0.06%.
  • Capital: tier 1 leverage ratio of 8.61%, up 3 bps from a year ago.
  • Funding: loans stand at 79.34% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.10%+56 bps YoY

Net Interest Margin (YTD, annualized)

4.35%+68 bps YoY

Efficiency Ratio (YTD, annualized)

68.32%-974 bps YoY

Tier 1 Leverage Ratio

8.61%+3 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.54%0.72%0.83%1.05%1.10%+56 bps
Return on Equity6.91%8.93%10.28%12.71%13.40%+649 bps
Net Interest Margin3.67%3.82%3.92%4.37%4.35%+68 bps
Efficiency Ratio78.06%74.72%73.95%69.09%68.32%-974 bps
Non-Interest Burden2.77%2.74%2.78%2.89%2.84%+7 bps
Growth
Asset Growth (YoY)3.33%1.42%5.36%7.09%8.07%+475 bps
Loan Growth (YoY)7.58%6.13%8.38%9.61%10.08%+250 bps
Deposit Growth (YoY)3.02%3.21%4.69%6.72%7.81%+478 bps
Asset Quality
Nonperforming Loans / Loans0.62%0.57%0.54%0.70%0.92%+30 bps
Net Charge-Offs / Loans0.15%0.11%0.08%0.07%0.06%-9 bps
Allowance / Loans0.94%0.97%0.99%1.02%1.03%+9 bps
Allowance Coverage of NPLs1.5x1.7x1.8x1.5x1.1x-0.4x
Capital
Tier 1 Leverage Ratio8.57%8.81%8.80%8.72%8.61%+3 bps
Total Risk-Based Capital15.70%15.94%15.56%15.61%15.48%-22 bps
Equity / Assets7.96%8.44%8.42%8.06%8.15%+19 bps
Liquidity & Funding
Loans / Deposits77.70%80.67%81.46%78.10%79.34%+164 bps
Liquid Assets / Assets7.38%4.50%4.43%8.25%4.78%-260 bps
CRE / Total Capitaln/a130.60%146.52%135.87%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

Woodsfield Savings Bank

Woodsfield, OH · Cert 32292 · Peer group: banks under $1B in assets in OH (n=68-71)

State charter, non-member · FDIC · 3 branches

Q2 2026

$123.3MAssets
$89.4MLoans
$112.7MDeposits
$10.0MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 86% of banks under $1B in assets in OH (rank 10 of 71).
  • Widest gap: equity / assets trails 80% of banks under $1B in assets in OH (rank 57 of 71).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.07%

Rank 34 of 71

Net Interest Margin

4.35%

Rank 10 of 71

Efficiency Ratio

68.32%

Rank 33 of 71

Equity / Assets

8.15%

Rank 57 of 71

Non-interest income vs. expense

$0.5M$4.0MINCOMEEXPENSE
Unfavorable gap of $3.5M · efficiency ratio beats 55% of banks under $1B in assets in OH
Bank 68.32%Peer median 70.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.07%0.62%1.02%1.39%Beats 52%34 / 71
Return on Equity13.14%5.62%10.07%13.60%Beats 72%20 / 71
Net Interest Margin4.35%2.93%3.56%4.07%Beats 86%10 / 71
Efficiency Ratio68.32%55.94%70.77%78.80%Beats 55%33 / 71
Asset Quality
Nonperforming Loans / Loans0.93%0.08%0.27%0.97%Beats 28%50 / 68
Net Charge-Offs / Loans0.05%n/a0.00%0.05%Beats 24%53 / 68
Capital
Tier 1 Capital Ratio14.23%11.18%13.77%20.34%Beats 51%35 / 71
Total Risk-Based Capital Ratio15.48%12.08%14.34%21.24%Beats 58%30 / 71
Equity / Assets8.15%8.41%10.74%13.32%Beats 20%57 / 71
Liquidity & Funding
Loans / Deposits79.34%64.48%76.81%87.49%60th pctl27 / 68
Loans / Assets72.51%55.33%65.58%72.51%75th pctl18 / 71
Brokered Deposits / Depositsn/aNot reported for this institution