PEOPLES BANCORP INC

For the period ended Jun 30, 2026. Filed Jul 30, 2026.

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A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.

Jun 30, 2026 · Filed Jul 30, 2026

PEBO$38.53-0.7%Stored close · as of Nov 10, 2026

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Contents

CONSOLIDATED STATEMENTS OF OPERATIONS (Unaudited)

Three Months Ended · Six Months Ended
	June 30,		June 30,
(Dollars in thousands, except per share data)	2026	2025	2026	2025
Interest income:
Interest and fees on loans and leases	$109,557	$108,816	$218,247	$216,118
Interest and dividends on taxable investment securities	16,208	15,593	32,734	30,965
Interest on tax-exempt investment securities	731	960	1,546	1,928
Other interest income	1,084	1,038	1,874	1,938
Total interest income	127,580	126,407	254,401	250,949
Interest expense:
Interest on deposits	27,651	33,876	56,281	69,040
Interest on short-term borrowings	4,623	1,388	9,582	1,896
Interest on long-term borrowings	2,578	3,566	5,390	7,181
Total interest expense	34,852	38,830	71,253	78,117
Net interest income	92,728	87,577	183,148	172,832
Provision for credit losses	4,709	16,642	14,403	26,832
Net interest income after provision for credit losses	88,019	70,935	168,745	146,000
Non-interest income:
Electronic banking income	6,543	6,272	12,470	12,157
Trust and investment income	5,986	5,281	11,591	10,342
Lease income	4,977	4,211	9,558	7,679
Deposit account service charges	4,488	4,059	8,755	8,074
Insurance income	4,331	4,549	9,911	10,603
Bank owned life insurance income	1,189	1,112	2,351	2,245
Mortgage banking income	598	220	974	616
Net loss on asset disposals and other transactions	(446)	(280)	(856)	(641)
Net loss on investment securities	(8,181)	—	(8,181)	(2)
Other non-interest income	893	1,456	2,059	2,906
Total non-interest income	20,378	26,880	48,632	53,979
Non-interest expense:
Salaries and employee benefit costs	40,012	38,893	79,847	78,714
Data processing and software expense	7,850	7,356	15,386	14,361
Net occupancy and equipment expense	5,765	5,690	11,989	11,302
Professional fees	4,018	3,610	6,771	6,697
Electronic banking expense	2,225	2,018	4,306	4,043
Operating lease expense	1,797	1,053	3,601	2,038
Amortization of other intangible assets	1,697	2,211	3,394	4,424
Federal Deposit Insurance Corporation ("FDIC") insurance expense	1,370	1,251	2,780	2,502
Other loan expenses	1,278	1,213	2,401	2,332
Franchise tax expense	972	678	1,976	1,607
Travel and entertainment expense	726	713	1,309	1,213
Communication expense	605	712	1,194	1,446
Marketing expense	604	718	1,490	1,621
Other non-interest expense	3,840	4,246	7,950	8,849
Total non-interest expense	72,759	70,362	144,394	141,149
Income before income taxes	35,638	27,453	72,983	58,830
Income tax expense	7,685	6,241	16,024	13,282
Net income	$27,953	$21,212	$56,959	$45,548
Earnings per common share - basic	$0.79	$0.60	$1.61	$1.29
Earnings per common share - diluted	$0.78	$0.59	$1.59	$1.28
Weighted-average number of common shares outstanding - basic	35,173,525	34,972,065	35,141,267	34,934,105
Weighted-average number of common shares outstanding - diluted	35,566,566	35,331,707	35,529,515	35,299,418
Cash dividends declared	$15,107	$14,616	$29,754	$28,843
Cash dividends declared per common share	$0.42	$0.41	$0.83	$0.81

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