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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

$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

5.66%Q2 ’245.84%Q2 ’255.92%Q2 ’26+10%+8%

Non-interest income vs. expense

2.66%Q2 ’242.78%Q2 ’252.89%Q2 ’26-8%+18%

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 1.03%, down 31 bps year over year; NIM at 4.04%.
  • Asset quality: problem loans at 0.84% of loans (+4 bps YoY), with net charge-offs at 0.47%.
  • 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 (quarter, annualized)

1.03%-31 bps YoY

Net Interest Margin (quarter, annualized)

4.04%+29 bps YoY

Efficiency Ratio (quarter, annualized)

62.37%+177 bps YoY

Tier 1 Leverage Ratio

9.26%+7 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.33%1.22%1.41%1.31%1.03%-31 bps
Return on Equity15.64%14.26%16.28%14.85%11.75%-389 bps
Net Interest Margin3.76%3.84%4.02%3.88%4.04%+29 bps
Efficiency Ratio60.60%60.45%55.18%61.77%62.37%+177 bps
Non-Interest Burden1.95%2.06%1.90%2.14%2.30%+34 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 / Loans0.00%0.01%0.28%-0.01%0.47%+47 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