PackageTrendsPeer
Letter portraitLegal landscape

Osgood Bank

Osgood, OH · Cert 9137 · Osb Bcorp Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in OH3

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 in OH (n=68 to 71). 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

25

Q2 2024Q2 2026peer median (50)

Profitability

69

Q2 2024Q2 2026peer median (50)

Liquidity

63

Q2 2024Q2 2026peer median

Efficiency

68

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

Osgood Bank

Osgood, OH · Cert 9137 · Osb Bcorp Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$485.8MAssets
$303.5MLoans
$437.3MDeposits
$42.8MEquity
Loan mix
44%RE $125.0M56%C&I $157.6M0%Consumer $1.4MQ2 2025Q2 2026
Deposit mix
93%Interest-bearing $407.8M7%Noninterest $29.5MQ2 2025Q2 2026

NIM

5.03%Q2 ’245.24%Q2 ’255.33%Q2 ’26+15%+4%

Non-interest income vs. expense

2.48%Q2 ’242.32%Q2 ’252.34%Q2 ’26-2%+6%

Executive Summary

  • Earnings: ROA of 1.29%, up 5 bps year over year; NIM at 3.57%.
  • Asset quality: problem loans at 0.38% of loans (+15 bps YoY), with net charge-offs at 0.27%.
  • Capital: tier 1 leverage ratio of 9.86%, up 81 bps from a year ago.
  • Funding: loans stand at 69.39% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.29%+5 bps YoY

Net Interest Margin (YTD, annualized)

3.57%+14 bps YoY

Efficiency Ratio (YTD, annualized)

60.40%-15 bps YoY

Tier 1 Leverage Ratio

9.86%+81 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.24%1.22%1.15%1.24%1.29%+5 bps
Return on Equity16.85%16.42%15.26%15.82%15.83%-103 bps
Net Interest Margin3.43%3.40%3.39%3.29%3.57%+14 bps
Efficiency Ratio60.55%60.41%60.31%59.16%60.40%-15 bps
Non-Interest Burden1.90%1.88%1.88%1.80%2.02%+12 bps
Growth
Asset Growth (YoY)2.74%1.28%3.44%4.73%0.55%-219 bps
Loan Growth (YoY)-0.32%0.19%-2.38%-5.15%-0.35%-3 bps
Deposit Growth (YoY)4.50%2.61%3.92%5.50%2.90%-160 bps
Asset Quality
Nonperforming Loans / Loans0.23%0.64%0.73%0.65%0.38%+15 bps
Net Charge-Offs / Loans-0.01%-0.01%0.00%0.00%0.27%+28 bps
Allowance / Loans1.73%1.74%2.01%2.09%1.82%+9 bps
Allowance Coverage of NPLs7.5x2.7x2.7x3.2x4.8x-2.7x
Capital
Tier 1 Leverage Ratio9.05%9.20%8.97%9.07%9.86%+81 bps
Total Risk-Based Capital12.91%13.33%13.57%14.14%14.23%+132 bps
Equity / Assets7.71%7.84%7.72%7.96%8.81%+110 bps
Liquidity & Funding
Loans / Deposits71.66%69.72%66.51%63.65%69.39%-227 bps
Liquid Assets / Assets14.67%14.75%20.29%24.91%17.03%+236 bps
CRE / Total Capitaln/a191.01%180.30%163.63%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

Osgood Bank

Osgood, OH · Cert 9137 · Peer group: banks under $1B in assets in OH (n=68-71) · Osb Bcorp Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$485.8MAssets
$303.5MLoans
$437.3MDeposits
$42.8MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 83% of banks under $1B in assets in OH (rank 12 of 71).
  • Widest gap: net charge-offs / loans trails 96% of banks under $1B in assets in OH (rank 66 of 68).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.34%

Rank 20 of 71

Net Interest Margin

3.57%

Rank 34 of 71

Efficiency Ratio

60.42%

Rank 24 of 71

Equity / Assets

8.81%

Rank 51 of 71

Non-interest income vs. expense

$1.6M$11.5MINCOMEEXPENSE
Unfavorable gap of $9.9M · efficiency ratio beats 68% of banks under $1B in assets in OH
Bank 60.42%Peer median 70.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.34%0.62%1.02%1.39%Beats 72%20 / 71
Return on Equity15.15%5.62%10.07%13.60%Beats 83%12 / 71
Net Interest Margin3.57%2.93%3.56%4.07%Beats 52%34 / 71
Efficiency Ratio60.42%55.94%70.77%78.80%Beats 68%24 / 71
Asset Quality
Nonperforming Loans / Loans0.38%0.08%0.27%0.97%Beats 46%38 / 68
Net Charge-Offs / Loans0.16%n/a0.00%0.05%Beats 4%66 / 68
Capital
Tier 1 Capital Ratio12.98%11.18%13.77%20.34%Beats 39%43 / 71
Total Risk-Based Capital Ratio14.23%12.08%14.34%21.24%Beats 48%37 / 71
Equity / Assets8.81%8.41%10.74%13.32%Beats 28%51 / 71
Liquidity & Funding
Loans / Deposits69.39%64.48%76.81%87.49%37th pctl43 / 68
Loans / Assets62.47%55.33%65.58%72.51%44th pctl40 / 71
Brokered Deposits / Depositsn/aNot reported for this institution