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Ohio State Bank

Bexley, OH · Cert 59144

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 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 under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer Standing

Trailing 9 quarters, through Q2 2026

Capital

38

Q2 2024Q2 2026Peer median (50)

Asset Quality

65

Q2 2024Q2 2026Peer median (50)

Profitability

36

Q2 2024Q2 2026Peer median (50)

Liquidity

0

Q2 2024Q2 2026Peer median (100)

Efficiency

86

Q2 2024Q2 2026Peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is a stronger peer standing, and the peer median is fixed at 50. Liquidity, Growth: closeness to the peer median, 100 at the median.

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 2026-10-12

Ohio State Bank

Bexley, OH · Cert 59144

State charter, non-member · FDIC · 2 branches

Q2 2026

$484.0MAssets
$429.7MLoans
$405.4MDeposits
$54.3MEquity
Loan mix
96%RE $409.1M4%C&I $17.4M0%Consumer $0.0MQ3 2024Q2 2026
Deposit mix
91%Interest-bearing $370.1M9%Noninterest $35.3MQ3 2024Q2 2026

Market Position · Columbus, OH · 2026 SOD (annual) · 0.3% share · #20 of 53 inst. · $0.4B of $124.6B

Executive Summary

  • Earnings: ROA of 1.02%, up 50 bps year over year; NIM at 2.46%.
  • Asset quality: problem loans at 1.03% of loans (+103 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.69%, up 70 bps from a year ago.
  • Funding: loans stand at 106.01% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.02%+50 bps YoY

Net Interest Margin (YTD, annualized)

2.46%+66 bps YoY

Efficiency Ratio (YTD, annualized)

52.42%-1,300 bps YoY

Tier 1 Leverage Ratio

11.69%+70 bps YoY

NIM

4.83%Q2 ’245.04%Q2 ’255.32%Q2 ’26+59%+37%

Non-interest income vs. expense

1.38%Q2 ’241.19%Q2 ’251.34%Q2 ’26-9%+7%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.01%0.09%0.46%0.52%0.54%0.59%1.04%1.02%+50 bps
Return on Equity0.08%0.84%4.30%4.89%5.05%5.50%9.64%9.32%+443 bps
Net Interest Margin1.16%1.24%1.73%1.80%1.87%1.96%2.38%2.46%+66 bps
Efficiency Ratio109.83%98.39%68.88%65.42%63.26%59.70%55.00%52.42%-1,300 bps
Non-Interest Burden1.27%1.22%1.19%1.17%1.17%1.15%1.27%1.25%+8 bps
Growth
Asset Growth (YoY)4.49%4.00%1.32%2.32%3.02%5.22%5.64%5.27%+295 bps
Loan Growth (YoY)5.34%3.86%2.02%3.78%3.63%6.76%6.03%5.38%+160 bps
Deposit Growth (YoY)6.06%6.27%-0.65%3.37%3.97%6.99%9.66%5.87%+250 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.44%0.45%1.03%+103 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.08%1.09%1.10%1.08%1.09%1.10%1.06%1.06%-2 bps
Allowance Coverage of NPLsn/an/an/an/an/a2.5x2.4x1.0xn/a
Capital
Tier 1 Leverage Ratio10.66%10.64%11.08%10.99%10.98%10.99%11.23%11.69%+70 bps
Total Risk-Based Capital10.66%10.64%11.08%10.99%10.98%10.99%11.23%11.69%+70 bps
Equity / Assets10.43%10.48%10.71%10.79%10.67%10.67%10.97%11.23%+44 bps
Liquidity & Funding
Loans / Deposits103.21%105.10%108.88%106.50%102.88%104.87%105.27%106.01%-49 bps
Liquid Assets / Assets2.32%4.48%4.41%6.95%6.68%7.03%5.48%5.61%-134 bps
CRE / Total Capitaln/an/an/an/a552%562%543%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 2026-10-12

Ohio State Bank

Bexley, OH · Cert 59144 · Peer group: banks under $1B in assets (n=581-629)

State charter, non-member · FDIC · 2 branches

Q2 2026

$484.0MAssets
$429.7MLoans
$405.4MDeposits
$54.3MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
  • Widest gap: net interest margin trails 91% of banks under $1B in assets (rank 573 of 629).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.02%

Rank 310 of 629

Net Interest Margin

2.46%

Rank 573 of 629

Efficiency Ratio

52.42%

Rank 89 of 629

Equity / Assets

11.23%

Rank 270 of 629

Non-interest income vs. expense

$0.4M$6.3MINCOMEEXPENSE
Unfavorable gap of $5.8M · efficiency ratio beats 86% of banks under $1B in assets
Bank 52.42%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.02%0.60%1.01%1.45%Beats 51%310 / 629
Return on Equity9.07%5.38%9.30%13.28%Beats 48%329 / 629
Net Interest Margin2.46%3.03%3.54%4.05%Beats 9%573 / 629
Efficiency Ratio52.42%58.35%67.79%79.08%Beats 86%89 / 629
Asset Quality
Nonperforming Loans / Loans1.02%0.09%0.46%1.20%Beats 29%411 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio11.69%11.24%13.84%18.77%Beats 30%440 / 629
Total Risk-Based Capital Ratio11.69%11.58%14.43%19.66%Beats 26%467 / 629
Equity / Assets11.23%9.09%10.65%13.80%Beats 57%270 / 629
Liquidity & Funding
Loans / Deposits106.01%67.24%80.90%93.48%92nd pctl45 / 594
Loans / Assets88.79%53.31%67.71%78.15%98th pctl13 / 629
Brokered Deposits / Depositsn/aNot reported for this institution