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Peoples National Bank, National Association

Mount Vernon, IL · Cert 3809 · Market Street Bancshares Inc.

National charter · OCC · 23 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

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 $1B-$10B in assets (n=311 to 317). 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

9

Q2 2024Q2 2026peer median (50)

Asset Quality

29

Q2 2024Q2 2026peer median (50)

Profitability

62

Q2 2024Q2 2026peer median (50)

Liquidity

13

Q2 2024Q2 2026peer median

Efficiency

42

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 2026-10-10

Peoples National Bank, National Association

Mount Vernon, IL · Cert 3809 · Market Street Bancshares Inc.

National charter · OCC · 23 branches

Q2 2026

$2.1BAssets
$1.8BLoans
$1.8BDeposits
$179.4MEquity
Loan mix
76%RE $1.2B24%C&I $0.4B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $1.5B19%Noninterest $0.4BQ2 2025Q2 2026

NIM

5.49%Q2 ’245.74%Q2 ’255.87%Q2 ’26+9%+9%

Non-interest income vs. expense

2.75%Q2 ’242.75%Q2 ’252.85%Q2 ’26-6%+8%

Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.2% share · #64 of 111 inst. · $0.2B of $141.7B

83.9% Hamilton
30.1% Jefferson
29.2% Marion
15.3% Saline

Executive Summary

  • Earnings: ROA of 1.16%, unchanged from a year ago; NIM at 3.96%.
  • Asset quality: problem loans at 0.84% of loans (+4 bps YoY), with net charge-offs at 0.23%.
  • Capital: tier 1 leverage ratio of 9.26%, up 7 bps from a year ago.
  • Funding: loans stand at 99.75% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.16%0 bps YoY

Net Interest Margin (YTD, annualized)

3.96%+33 bps YoY

Efficiency Ratio (YTD, annualized)

62.07%-134 bps YoY

Tier 1 Leverage Ratio

9.26%+7 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.17%1.18%1.24%1.31%1.16%0 bps
Return on Equity13.92%14.01%14.62%14.85%13.29%-63 bps
Net Interest Margin3.64%3.63%3.62%3.88%3.96%+33 bps
Efficiency Ratio63.41%62.38%60.39%61.77%62.07%-134 bps
Non-Interest Burden2.05%2.01%1.93%2.14%2.22%+17 bps
Growth
Asset Growth (YoY)7.55%8.38%4.61%6.97%11.05%+350 bps
Loan Growth (YoY)8.37%8.54%8.99%8.77%8.63%+26 bps
Deposit Growth (YoY)10.42%9.02%3.47%7.97%8.25%-217 bps
Asset Quality
Nonperforming Loans / Loans0.80%1.11%0.68%0.99%0.84%+4 bps
Net Charge-Offs / Loans0.05%0.03%0.09%-0.01%0.23%+18 bps
Allowance / Loans1.19%1.20%1.20%1.24%1.19%+1 bps
Allowance Coverage of NPLs1.5x1.1x1.8x1.2x1.4x-0.1x
Capital
Tier 1 Leverage Ratio9.19%9.09%9.17%9.18%9.26%+7 bps
Total Risk-Based Capital10.84%10.70%10.89%11.13%10.93%+9 bps
Equity / Assets8.59%8.55%8.81%8.87%8.61%+2 bps
Liquidity & Funding
Loans / Deposits99.40%98.99%102.37%98.63%99.75%+35 bps
Liquid Assets / Assets0.27%0.90%0.41%1.71%2.93%+266 bps
CRE / Total Capitaln/a456%435%431%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 2026-10-10

Peoples National Bank, National Association

Mount Vernon, IL · Cert 3809 · Peer group: banks $1B-$10B in assets (n=311-317) · Market Street Bancshares Inc.

National charter · OCC · 23 branches

Q2 2026

$2.1BAssets
$1.8BLoans
$1.8BDeposits
$179.4MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 80% of banks $1B-$10B in assets (rank 64 of 317).
  • Widest gap: tier 1 capital ratio trails 97% of banks $1B-$10B in assets (rank 307 of 317).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

1.13%

Rank 184 of 317

Net Interest Margin

3.96%

Rank 64 of 317

Efficiency Ratio

62.07%

Rank 186 of 317

Equity / Assets

8.61%

Rank 270 of 317

Non-interest income vs. expense

$12.8M$57.4MINCOMEEXPENSE
Unfavorable gap of $44.7M · efficiency ratio beats 42% of banks $1B-$10B in assets
Bank 62.07%Peer median 59.7%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.13%0.93%1.22%1.51%Beats 42%184 / 317
Return on Equity13.17%8.63%11.43%14.48%Beats 65%112 / 317
Net Interest Margin3.96%3.06%3.45%3.83%Beats 80%64 / 317
Efficiency Ratio62.07%51.90%59.69%67.53%Beats 42%186 / 317
Asset Quality
Nonperforming Loans / Loans0.84%0.24%0.51%1.14%Beats 33%208 / 311
Net Charge-Offs / Loans0.12%0.01%0.04%0.12%Beats 25%235 / 311
Capital
Tier 1 Capital Ratio9.75%11.75%13.15%15.30%Beats 3%307 / 317
Total Risk-Based Capital Ratio10.93%12.63%14.21%16.26%Beats 8%293 / 317
Equity / Assets8.61%9.06%10.32%11.95%Beats 15%270 / 317
Liquidity & Funding
Loans / Deposits99.75%76.63%88.04%95.67%85th pctl48 / 312
Loans / Assets88.27%65.41%74.05%79.71%97th pctl11 / 317
Brokered Deposits / Depositsn/aNot reported for this institution