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Letter portraitLegal landscapeQuarterYTD

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