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People's Bank of Seneca

Seneca, MO · Cert 34146 · PBS Bancshares Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

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 operating in a single state (n=743 to 746). 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

20

Q2 2024Q2 2026peer median (50)

Asset Quality

44

Q2 2024Q2 2026peer median (50)

Profitability

60

Q2 2024Q2 2026peer median (50)

Liquidity

17

Q2 2024Q2 2026peer median

Efficiency

89

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

People's Bank of Seneca

Seneca, MO · Cert 34146 · PBS Bancshares Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$495.5MAssets
$425.6MLoans
$440.9MDeposits
$49.3MEquity
Loan mix
90%RE $377.1M8%C&I $35.1M2%Consumer $7.3MQ2 2025Q2 2026
Deposit mix
89%Interest-bearing $393.5M11%Noninterest $47.5MQ2 2025Q2 2026

NIM

5.50%Q2 ’245.97%Q2 ’255.92%Q2 ’26+12%+4%

Non-interest income vs. expense

1.72%Q2 ’241.74%Q2 ’251.79%Q2 ’26+2%0%

Market Position · Joplin, MO-KS · 2026 SOD (annual) · 9.0% share · #3 of 22 inst. · $0.4B of $4.9B

23.1% Newton
2.3% Jasper

Executive Summary

  • Earnings: ROA of 1.37%, up 18 bps year over year; NIM at 3.41%.
  • Asset quality: problem loans at 1.01% of loans (+15 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 10.08%, up 43 bps from a year ago.
  • Funding: loans stand at 96.52% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.37%+18 bps YoY

Net Interest Margin (YTD, annualized)

3.41%+13 bps YoY

Efficiency Ratio (YTD, annualized)

48.22%-104 bps YoY

Tier 1 Leverage Ratio

10.08%+43 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.19%1.24%1.20%1.33%1.37%+18 bps
Return on Equity13.39%13.57%13.03%13.83%14.09%+70 bps
Net Interest Margin3.28%3.40%3.42%3.36%3.41%+13 bps
Efficiency Ratio49.26%50.18%51.71%50.55%48.22%-104 bps
Non-Interest Burden1.49%1.57%1.64%1.55%1.48%0 bps
Growth
Asset Growth (YoY)2.83%-3.23%1.79%3.73%3.75%+92 bps
Loan Growth (YoY)4.09%0.32%3.02%4.05%5.10%+100 bps
Deposit Growth (YoY)5.31%-1.70%-1.46%2.64%2.65%-266 bps
Asset Quality
Nonperforming Loans / Loans0.86%0.23%1.40%0.90%1.01%+15 bps
Net Charge-Offs / Loans0.02%0.02%0.06%0.01%0.01%-1 bps
Allowance / Loans1.30%1.34%1.28%1.29%1.38%+9 bps
Allowance Coverage of NPLs1.5x5.9x0.9x1.4x1.4x-0.1x
Capital
Tier 1 Leverage Ratio9.64%10.01%10.36%9.94%10.08%+43 bps
Total Risk-Based Capital9.64%10.01%10.36%9.94%10.08%+43 bps
Equity / Assets9.21%9.81%9.63%9.55%9.95%+74 bps
Liquidity & Funding
Loans / Deposits94.28%96.93%100.62%96.78%96.52%+225 bps
Liquid Assets / Assets4.58%2.12%3.31%4.71%4.29%-30 bps
CRE / Total Capitaln/a484%499%495%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

People's Bank of Seneca

Seneca, MO · Cert 34146 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · PBS Bancshares Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$495.5MAssets
$425.6MLoans
$440.9MDeposits
$49.3MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 89% of banks under $1B in assets operating in a single state (rank 85 of 746).
  • Widest gap: total risk-based capital ratio trails 91% of banks under $1B in assets operating in a single state (rank 682 of 746).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.36%

Rank 228 of 746

Net Interest Margin

3.41%

Rank 482 of 746

Efficiency Ratio

48.22%

Rank 85 of 746

Equity / Assets

9.95%

Rank 433 of 746

Non-interest income vs. expense

$1.6M$9.1MINCOMEEXPENSE
Unfavorable gap of $7.5M · efficiency ratio beats 89% of banks under $1B in assets operating in a single state
Bank 48.22%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.36%0.72%1.06%1.45%Beats 69%228 / 746
Return on Equity13.65%6.74%10.51%13.63%Beats 75%186 / 746
Net Interest Margin3.41%3.17%3.68%4.16%Beats 35%482 / 746
Efficiency Ratio48.22%55.74%64.58%75.47%Beats 89%85 / 746
Asset Quality
Nonperforming Loans / Loans1.01%0.09%0.42%1.07%Beats 27%547 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 60%299 / 743
Capital
Tier 1 Capital Ratio10.08%11.55%13.75%17.60%Beats 9%677 / 746
Total Risk-Based Capital Ratio10.08%11.71%14.33%18.43%Beats 9%682 / 746
Equity / Assets9.95%8.90%10.51%13.06%Beats 42%433 / 746
Liquidity & Funding
Loans / Deposits96.52%61.31%78.27%90.78%86th pctl103 / 746
Loans / Assets85.89%53.60%66.97%76.08%96th pctl27 / 746
Brokered Deposits / Depositsn/aNot reported for this institution