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Letter portraitLegal landscapeQuarterYTD

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