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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