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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

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

Efficiency

86

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

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 2026-10-11

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