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Peoples Bank Mt Washington

Mount Washington, KY · Cert 5847 · Crossroads Bcorp Inc.

State charter, non-member · FDIC · 2 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

35

Q2 2024Q2 2026peer median (50)

Asset Quality

41

Q2 2024Q2 2026peer median (50)

Profitability

85

Q2 2024Q2 2026peer median (50)

Liquidity

90

Q2 2024Q2 2026peer median

Efficiency

56

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 Bank Mt Washington

Mount Washington, KY · Cert 5847 · Crossroads Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$120.0MAssets
$88.2MLoans
$109.6MDeposits
$9.8MEquity
Loan mix
94%RE $79.6M5%C&I $4.5M1%Consumer $0.5MQ2 2025Q2 2026
Deposit mix
61%Interest-bearing $66.4M39%Noninterest $43.2MQ2 2025Q2 2026

NIM

4.81%Q2 ’244.95%Q2 ’255.28%Q2 ’26+2%+9%

Non-interest income vs. expense

3.20%Q2 ’243.29%Q2 ’253.34%Q2 ’26+2%-1%

Market Position · Louisville/Jefferson County, KY-IN · 2026 SOD (annual) · 0.2% share · #32 of 43 inst. · $0.1B of $48.2B

Executive Summary

  • Earnings: ROA of 1.38%, up 12 bps year over year; NIM at 4.71%.
  • Asset quality: problem loans at 1.17% of loans (-15 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 10.59%, up 31 bps from a year ago.
  • Funding: loans stand at 80.46% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.38%+12 bps YoY

Net Interest Margin (YTD, annualized)

4.71%+40 bps YoY

Efficiency Ratio (YTD, annualized)

62.52%-508 bps YoY

Tier 1 Leverage Ratio

10.59%+31 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.26%1.40%1.40%1.50%1.38%+12 bps
Return on Equity17.85%19.23%18.87%18.74%17.13%-72 bps
Net Interest Margin4.32%4.45%4.58%4.64%4.71%+40 bps
Efficiency Ratio67.60%65.52%65.44%61.87%62.52%-508 bps
Non-Interest Burden2.74%2.73%2.82%2.65%2.71%-3 bps
Growth
Asset Growth (YoY)6.98%4.75%6.06%3.05%-2.52%-950 bps
Loan Growth (YoY)10.39%8.16%7.35%14.02%12.33%+194 bps
Deposit Growth (YoY)8.76%4.73%4.82%2.16%-3.72%-1,248 bps
Asset Quality
Nonperforming Loans / Loans1.32%0.00%0.12%1.21%1.17%-15 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.02%0.01%+1 bps
Allowance / Loans1.25%1.27%1.27%1.25%1.37%+12 bps
Allowance Coverage of NPLs1.0xn/a10.8x1.0x1.2x+0.2x
Capital
Tier 1 Leverage Ratio10.28%10.24%10.43%10.62%10.59%+31 bps
Total Risk-Based Capital14.82%15.29%14.80%14.33%14.15%-67 bps
Equity / Assets7.04%7.81%8.06%8.00%8.13%+109 bps
Liquidity & Funding
Loans / Deposits68.96%70.06%74.14%77.37%80.46%+1,149 bps
Liquid Assets / Assets11.64%10.49%7.04%5.03%2.71%-892 bps
CRE / Total Capitaln/a276%287%306%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 Bank Mt Washington

Mount Washington, KY · Cert 5847 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Crossroads Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$120.0MAssets
$88.2MLoans
$109.6MDeposits
$9.8MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 92% of banks under $1B in assets operating in a single state (rank 58 of 746).
  • Widest gap: equity / assets trails 85% of banks under $1B in assets operating in a single state (rank 637 of 746).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.38%

Rank 217 of 746

Net Interest Margin

4.71%

Rank 58 of 746

Efficiency Ratio

62.52%

Rank 329 of 746

Equity / Assets

8.13%

Rank 637 of 746

Non-interest income vs. expense

$0.8M$4.2MINCOMEEXPENSE
Unfavorable gap of $3.4M · efficiency ratio beats 56% of banks under $1B in assets operating in a single state
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.38%0.72%1.06%1.45%Beats 71%217 / 746
Return on Equity17.00%6.74%10.51%13.63%Beats 91%65 / 746
Net Interest Margin4.71%3.17%3.68%4.16%Beats 92%58 / 746
Efficiency Ratio62.52%55.74%64.58%75.47%Beats 56%329 / 746
Asset Quality
Nonperforming Loans / Loans1.17%0.09%0.42%1.07%Beats 23%573 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 59%310 / 743
Capital
Tier 1 Capital Ratio12.93%11.55%13.75%17.60%Beats 41%441 / 746
Total Risk-Based Capital Ratio14.15%11.71%14.33%18.43%Beats 48%386 / 746
Equity / Assets8.13%8.90%10.51%13.06%Beats 15%637 / 746
Liquidity & Funding
Loans / Deposits80.46%61.31%78.27%90.78%55th pctl339 / 746
Loans / Assets73.49%53.60%66.97%76.08%68th pctl241 / 746
Brokered Deposits / Depositsn/aNot reported for this institution