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Peoples Savings Bank, The

New Matamoras, OH · Cert 9439 · PSB Holdings Inc.

State charter, non-member · FDIC · 3 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

47

Q2 2024Q2 2026peer median (50)

Asset Quality

18

Q2 2024Q2 2026peer median (50)

Profitability

37

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

44

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 Savings Bank, The

New Matamoras, OH · Cert 9439 · PSB Holdings Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$71.9MAssets
$34.8MLoans
$63.5MDeposits
$8.3MEquity
Loan mix
88%RE $30.1M4%C&I $1.2M9%Consumer $3.0MQ3 2024Q2 2026
Deposit mix
74%Interest-bearing $47.0M26%Noninterest $16.5MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.81%, down 1 bps year over year; NIM at 3.48%.
  • Asset quality: problem loans at 1.58% of loans (+60 bps YoY), with net charge-offs at 0.12%.
  • Capital: tier 1 leverage ratio of 13.45%, up 15 bps from a year ago.
  • Funding: loans stand at 54.79% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.81%-1 bps YoY

Net Interest Margin (YTD, annualized)

3.48%+2 bps YoY

Efficiency Ratio (YTD, annualized)

73.15%+70 bps YoY

Tier 1 Leverage Ratio

13.45%+15 bps YoY

NIM

3.96%Q2 ’244.07%Q2 ’254.15%Q2 ’26+1%+0%

Non-interest income vs. expense

2.71%Q2 ’242.75%Q2 ’252.80%Q2 ’26+3%+1%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.78%0.82%0.80%0.82%0.86%0.88%0.75%0.81%-1 bps
Return on Equity7.71%8.05%7.29%7.52%7.68%7.77%6.15%6.75%-78 bps
Net Interest Margin3.50%3.52%3.46%3.47%3.54%3.58%3.52%3.48%+2 bps
Efficiency Ratio72.12%71.69%73.03%72.45%71.89%71.26%74.89%73.15%+70 bps
Non-Interest Burden2.42%2.42%2.44%2.42%2.45%2.45%2.55%2.46%+3 bps
Growth
Asset Growth (YoY)-0.43%-2.77%1.03%8.81%4.20%3.42%2.28%1.61%-720 bps
Loan Growth (YoY)7.03%5.79%7.11%4.74%3.53%3.51%0.73%3.37%-137 bps
Deposit Growth (YoY)-3.50%-4.03%-0.75%7.95%3.44%1.69%1.27%0.76%-719 bps
Asset Quality
Nonperforming Loans / Loans0.59%0.71%0.66%0.98%0.97%1.17%1.43%1.58%+60 bps
Net Charge-Offs / Loans0.08%0.05%-0.01%-0.01%-0.01%-0.01%0.23%0.12%+12 bps
Allowance / Loans1.37%1.37%1.35%1.39%1.40%1.40%1.35%1.36%-3 bps
Allowance Coverage of NPLs2.3x1.9x2.0x1.4x1.4x1.2x0.9x0.9x-0.6x
Capital
Tier 1 Leverage Ratio13.92%13.96%13.62%13.30%13.49%13.60%13.89%13.45%+15 bps
Total Risk-Based Capital13.92%13.96%13.62%13.30%13.49%13.60%13.89%13.45%+15 bps
Equity / Assets11.27%10.63%11.28%10.77%11.95%12.14%12.16%11.56%+79 bps
Liquidity & Funding
Loans / Deposits56.65%56.64%57.99%53.41%56.70%57.65%57.69%54.79%+139 bps
Liquid Assets / Assets0.38%0.37%0.37%0.35%0.36%0.36%0.36%0.34%-1 bps
CRE / Total Capitaln/an/an/an/a48.01%26.22%25.57%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 Savings Bank, The

New Matamoras, OH · Cert 9439 · Peer group: banks under $1B in assets in OH (n=68-71) · PSB Holdings Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$71.9MAssets
$34.8MLoans
$63.5MDeposits
$8.3MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 63% of banks under $1B in assets in OH (rank 26 of 71).
  • Widest gap: nonperforming loans / loans trails 84% of banks under $1B in assets in OH (rank 58 of 68).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.78%

Rank 44 of 71

Net Interest Margin

3.48%

Rank 40 of 71

Efficiency Ratio

73.15%

Rank 41 of 71

Equity / Assets

11.56%

Rank 26 of 71

Non-interest income vs. expense

$0.2M$2.0MINCOMEEXPENSE
Unfavorable gap of $1.7M · efficiency ratio beats 44% of banks under $1B in assets in OH
Bank 73.15%Peer median 70.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.78%0.62%1.02%1.39%Beats 38%44 / 71
Return on Equity6.72%5.62%10.07%13.60%Beats 30%50 / 71
Net Interest Margin3.48%2.93%3.56%4.07%Beats 44%40 / 71
Efficiency Ratio73.15%55.94%70.77%78.80%Beats 44%41 / 71
Asset Quality
Nonperforming Loans / Loans1.58%0.08%0.27%0.97%Beats 16%58 / 68
Net Charge-Offs / Loans0.06%n/a0.00%0.05%Beats 19%56 / 68
Capital
Tier 1 Capital Ratio13.45%11.18%13.77%20.34%Beats 42%41 / 71
Total Risk-Based Capital Ratio13.45%12.08%14.34%21.24%Beats 35%46 / 71
Equity / Assets11.56%8.41%10.74%13.32%Beats 63%26 / 71
Liquidity & Funding
Loans / Deposits54.79%64.48%76.81%87.49%7th pctl63 / 68
Loans / Assets48.40%55.33%65.58%72.51%14th pctl61 / 71
Brokered Deposits / Depositsn/aNot reported for this institution