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Peoples Bank

Marietta, OH · Cert 6544 · Peoples Bcorp Inc.

State charter, Fed member · FED · 132 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating regionally3

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 $1B-$10B in assets operating regionally (n=176). 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

59

Q2 2024Q2 2026peer median (50)

Asset Quality

31

Q2 2024Q2 2026peer median (50)

Profitability

57

Q2 2024Q2 2026peer median (50)

Liquidity

91

Q2 2024Q2 2026peer median

Efficiency

60

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

Marietta, OH · Cert 6544 · Peoples Bcorp Inc.

State charter, Fed member · FED · 132 branches

Q2 2026

$9.5BAssets
$6.8BLoans
$7.5BDeposits
$1.2BEquity
Loan mix
58%RE $3.7B29%C&I $1.8B13%Consumer $0.8BQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $5.9B21%Noninterest $1.6BQ2 2025Q2 2026

NIM

5.55%Q2 ’245.33%Q2 ’255.26%Q2 ’26-1%+2%

Non-interest income vs. expense

2.83%Q2 ’242.89%Q2 ’252.88%Q2 ’26-1%-2%

Market Position · Cincinnati, OH-KY-IN · 2026 SOD (annual) · 0.4% share · #16 of 54 inst. · $0.7B of $187.5B

61.4% Washington
32.7% Guernsey
27.4% Clinton
10.7% Wood

Executive Summary

  • Earnings: ROA of 1.31%, up 18 bps year over year; NIM at 3.98%.
  • Asset quality: problem loans at 0.60% of loans (-1 bps YoY), with net charge-offs at 0.35%.
  • Capital: tier 1 leverage ratio of 9.70%, up 18 bps from a year ago.
  • Funding: loans stand at 90.89% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.31%+18 bps YoY

Net Interest Margin (YTD, annualized)

3.98%+8 bps YoY

Efficiency Ratio (YTD, annualized)

56.08%-95 bps YoY

Tier 1 Leverage Ratio

9.70%+18 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.12%1.20%1.27%1.32%1.31%+18 bps
Return on Equity9.17%9.79%10.40%10.73%10.48%+131 bps
Net Interest Margin3.89%3.85%3.86%3.93%3.98%+8 bps
Efficiency Ratio57.03%56.38%56.32%56.13%56.08%-95 bps
Non-Interest Burden1.72%1.68%1.69%1.67%1.69%-3 bps
Growth
Asset Growth (YoY)3.41%5.35%4.27%4.37%-0.01%-342 bps
Loan Growth (YoY)4.35%7.28%6.28%5.34%3.32%-103 bps
Deposit Growth (YoY)4.66%4.73%1.43%-0.99%-2.29%-695 bps
Asset Quality
Nonperforming Loans / Loans0.61%0.58%0.63%0.58%0.60%-1 bps
Net Charge-Offs / Loans0.46%0.43%0.43%0.39%0.35%-11 bps
Allowance / Loans1.13%1.11%1.12%1.16%1.14%+1 bps
Allowance Coverage of NPLs1.8x1.9x1.8x2.0x1.9x+0.1x
Capital
Tier 1 Leverage Ratio9.53%9.43%9.33%9.54%9.70%+18 bps
Total Risk-Based Capital13.05%13.18%13.03%13.21%13.40%+35 bps
Equity / Assets12.14%12.33%12.29%12.37%12.71%+57 bps
Liquidity & Funding
Loans / Deposits85.96%85.47%87.22%88.00%90.89%+493 bps
Liquid Assets / Assets10.09%10.40%10.40%9.97%9.86%-24 bps
CRE / Total Capitaln/a280%287%277%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

Marietta, OH · Cert 6544 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Peoples Bcorp Inc.

State charter, Fed member · FED · 132 branches

Q2 2026

$9.5BAssets
$6.8BLoans
$7.5BDeposits
$1.2BEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 86% of banks $1B-$10B in assets operating regionally (rank 25 of 176).
  • Widest gap: net charge-offs / loans trails 90% of banks $1B-$10B in assets operating regionally (rank 159 of 176).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.31%

Rank 78 of 176

Net Interest Margin

3.98%

Rank 38 of 176

Efficiency Ratio

57.47%

Rank 72 of 176

Equity / Assets

12.71%

Rank 25 of 176

Non-interest income vs. expense

$115.8M$278.9MINCOMEEXPENSE
Unfavorable gap of $163.1M · efficiency ratio beats 60% of banks $1B-$10B in assets operating regionally
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.31%0.93%1.26%1.54%Beats 56%78 / 176
Return on Equity10.35%9.26%11.89%14.46%Beats 38%109 / 176
Net Interest Margin3.98%3.25%3.59%3.93%Beats 78%38 / 176
Efficiency Ratio57.47%52.79%59.55%67.66%Beats 60%72 / 176
Asset Quality
Nonperforming Loans / Loans0.60%0.30%0.64%1.32%Beats 52%86 / 176
Net Charge-Offs / Loans0.21%0.01%0.04%0.10%Beats 10%159 / 176
Capital
Tier 1 Capital Ratio12.30%11.15%12.72%14.15%Beats 45%97 / 176
Total Risk-Based Capital Ratio13.40%11.81%13.63%15.33%Beats 47%93 / 176
Equity / Assets12.71%9.16%10.35%11.80%Beats 86%25 / 176
Liquidity & Funding
Loans / Deposits90.89%80.94%89.73%97.21%55th pctl79 / 176
Loans / Assets71.61%69.25%75.12%80.82%33rd pctl118 / 176
Brokered Deposits / Depositsn/aNot reported for this institution