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Peoples Savings Bank

Indianola, IA · Cert 34973 · Central South Bcorp Inc.

State charter, non-member · FDIC · 8 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 the Des Moines-West Des Moines, IA area3

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 the Des Moines-West Des Moines, IA area (n=18 to 19). 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

39

Q2 2024Q2 2026peer median (50)

Asset Quality

17

Q2 2024Q2 2026peer median (50)

Profitability

30

Q2 2024Q2 2026peer median (50)

Liquidity

34

Q2 2024Q2 2026peer median

Efficiency

32

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 Bank

Indianola, IA · Cert 34973 · Central South Bcorp Inc.

State charter, non-member · FDIC · 8 branches

Q2 2026

$610.4MAssets
$350.2MLoans
$533.7MDeposits
$43.3MEquity
Loan mix
64%RE $191.3M36%C&I $106.4M1%Consumer $1.8MQ3 2024Q2 2026
Deposit mix
79%Interest-bearing $424.1M21%Noninterest $109.7MQ3 2024Q2 2026

Market Position · Des Moines-West Des Moines, IA · 2026 SOD (annual) · 1.1% share · #16 of 57 inst. · $0.4B of $38.0B

30.1% Warren
5.8% Marion
16.7% Lucas
14.8% Wayne

Executive Summary

  • Earnings: ROA of 0.97%, up 39 bps year over year; NIM at 2.93%.
  • Asset quality: problem loans at 0.91% of loans (-38 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 9.95%, down 11 bps from a year ago.
  • Funding: loans stand at 65.62% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.97%+39 bps YoY

Net Interest Margin (YTD, annualized)

2.93%+27 bps YoY

Efficiency Ratio (YTD, annualized)

63.28%-516 bps YoY

Tier 1 Leverage Ratio

9.95%-11 bps YoY

NIM

4.94%Q2 ’244.79%Q2 ’254.83%Q2 ’26-7%+10%

Non-interest income vs. expense

1.94%Q2 ’242.07%Q2 ’252.11%Q2 ’26+6%0%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.95%0.37%0.31%0.58%0.72%0.81%0.85%0.97%+39 bps
Return on Equity15.60%6.06%5.55%10.21%12.34%13.41%13.05%14.47%+426 bps
Net Interest Margin2.86%2.58%2.53%2.66%2.78%2.80%2.90%2.93%+27 bps
Efficiency Ratio61.15%63.87%70.22%68.44%66.23%65.40%66.44%63.28%-516 bps
Non-Interest Burden1.61%1.52%1.67%1.70%1.70%1.69%1.79%1.69%0 bps
Growth
Asset Growth (YoY)14.71%11.37%7.77%5.04%-0.81%2.14%10.20%10.37%+533 bps
Loan Growth (YoY)9.11%8.06%12.32%10.45%7.43%10.48%8.67%11.23%+78 bps
Deposit Growth (YoY)8.27%9.55%7.08%6.34%2.71%2.95%10.57%9.45%+311 bps
Asset Quality
Nonperforming Loans / Loans3.97%2.91%2.84%1.29%1.14%0.99%0.95%0.91%-38 bps
Net Charge-Offs / Loans0.00%0.00%0.55%2.56%1.85%1.34%0.08%0.05%-250 bps
Allowance / Loans1.24%2.46%2.49%1.33%1.22%1.20%1.23%1.23%-10 bps
Allowance Coverage of NPLs0.3x0.8x0.9x1.0x1.1x1.2x1.3x1.4x+0.3x
Capital
Tier 1 Leverage Ratio10.81%9.71%10.03%10.06%10.28%10.29%10.24%9.95%-11 bps
Total Risk-Based Capital16.16%16.03%15.81%15.19%15.28%15.02%15.10%14.58%-61 bps
Equity / Assets5.91%5.72%5.49%5.85%6.19%6.99%6.05%7.10%+125 bps
Liquidity & Funding
Loans / Deposits56.55%60.10%58.69%64.57%59.15%64.49%57.68%65.62%+105 bps
Liquid Assets / Assets8.01%7.46%7.70%0.81%5.63%0.84%8.73%1.38%+58 bps
CRE / Total Capitaln/an/an/an/a152.26%159.48%159.58%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 Bank

Indianola, IA · Cert 34973 · Peer group: banks under $1B in assets in the Des Moines-West Des Moines, IA area (n=18-19) · Central South Bcorp Inc.

State charter, non-member · FDIC · 8 branches

Q2 2026

$610.4MAssets
$350.2MLoans
$533.7MDeposits
$43.3MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 68% of banks under $1B in assets in the Des Moines-West Des Moines, IA area (rank 6 of 19).
  • Widest gap: equity / assets trails 100% of banks under $1B in assets in the Des Moines-West Des Moines, IA area (rank 19 of 19).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.97%

Rank 16 of 19

Net Interest Margin

2.93%

Rank 18 of 19

Efficiency Ratio

63.28%

Rank 14 of 19

Equity / Assets

7.10%

Rank 19 of 19

Non-interest income vs. expense

$2.7M$13.8MINCOMEEXPENSE
Unfavorable gap of $11.1M · efficiency ratio beats 32% of banks under $1B in assets in the Des Moines-West Des Moines, IA area
Bank 63.28%Peer median 57.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.97%1.05%1.15%1.42%Beats 16%16 / 19
Return on Equity13.69%10.97%12.15%13.79%Beats 68%6 / 19
Net Interest Margin2.93%3.08%3.50%3.67%Beats 5%18 / 19
Efficiency Ratio63.28%52.38%57.82%63.73%Beats 32%14 / 19
Asset Quality
Nonperforming Loans / Loans0.91%n/a0.21%0.91%Beats 22%15 / 18
Net Charge-Offs / Loans0.03%0.00%0.01%0.01%Beats 11%17 / 18
Capital
Tier 1 Capital Ratio13.67%10.79%12.38%16.13%Beats 58%8 / 19
Total Risk-Based Capital Ratio14.58%11.60%13.40%17.04%Beats 58%8 / 19
Equity / Assets7.10%8.64%9.66%11.07%Beats 0%19 / 19
Liquidity & Funding
Loans / Deposits65.62%65.91%76.09%88.00%16th pctl16 / 19
Loans / Assets57.37%57.37%63.36%76.16%21st pctl15 / 19
Brokered Deposits / Depositsn/aNot reported for this institution