PEOPLES BANCORP INC

For the period ended Sep 30, 2026. Filed Oct 29, 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.

Sep 30, 2026 · Filed Oct 29, 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 · Nine Months Ended
	September 30,		September 30,
(Dollars in thousands, except per share data)	2026	2025	2026	2025
Interest income:
Interest and fees on loans and leases	$111,439	$113,157	$329,686	$329,275
Interest and dividends on taxable investment securities	15,618	17,932	48,352	48,897
Interest on tax-exempt investment securities	679	937	2,225	2,865
Other interest income	756	782	2,630	2,720
Total interest income	128,492	132,808	382,893	383,757
Interest expense:
Interest on deposits	27,807	34,534	85,224	103,812
Interest on short-term borrowings	4,347	3,400	12,793	5,058
Interest on long-term borrowings	2,496	3,525	7,886	10,706
Total interest expense	34,650	41,459	105,903	119,576
Net interest income	93,842	91,349	276,990	264,181
Provision for credit losses	3,569	7,280	17,972	34,112
Net interest income after provision for credit losses	90,273	84,069	259,018	230,069
Non-interest income:
Electronic banking income	6,649	6,538	19,119	18,695
Trust and investment income	6,176	5,414	17,767	15,756
Lease income	5,696	3,643	15,254	11,322
Deposit account service charges	4,679	4,274	13,434	12,348
Insurance income	4,222	4,469	14,133	15,072
Bank owned life insurance income	1,364	1,143	3,715	3,388
Mortgage banking income	582	245	1,556	861
Net loss on asset disposals and other transactions	(311)	(478)	(1,167)	(1,119)
Net loss on investment securities	(4,512)	(2,580)	(12,693)	(2,582)
Other non-interest income	1,100	1,159	3,159	4,065
Total non-interest income	25,645	23,827	74,277	77,806
Non-interest expense:
Salaries and employee benefit costs	40,560	38,698	120,407	117,412
Data processing and software expense	7,890	7,356	23,276	21,717
Net occupancy and equipment expense	5,806	5,896	17,795	17,198
Professional fees	4,743	2,798	11,514	9,495
Electronic banking expense	2,337	2,161	6,643	6,204
Operating lease expense	2,010	1,039	5,611	3,077
Amortization of other intangible assets	1,697	2,211	5,091	6,635
Federal Deposit Insurance Corporation ("FDIC") insurance expense	1,260	1,284	4,040	3,786
Other loan expenses	1,309	1,385	3,710	3,717
Franchise tax expense	956	916	2,932	2,523
Travel and entertainment expense	595	796	1,904	2,009
Communication expense	598	664	1,792	2,110
Marketing expense	1,004	1,001	2,494	2,622
Other non-interest expense	3,775	3,689	11,725	12,538
Total non-interest expense	74,540	69,894	218,934	211,043
Income before income taxes	41,378	38,002	114,361	96,832
Income tax expense	8,772	8,526	24,796	21,808
Net income	$32,606	$29,476	$89,565	$75,024
Earnings per common share - basic	$0.92	$0.83	$2.52	$2.13
Earnings per common share - diluted	$0.91	$0.83	$2.49	$2.10
Weighted-average number of common shares outstanding - basic	35,197,746	35,003,054	35,160,300	34,957,341
Weighted-average number of common shares outstanding - diluted	35,662,434	35,398,809	35,574,059	35,327,816
Cash dividends declared	$15,116	$14,655	$44,870	$43,498
Cash dividends declared per common share	$0.42	$0.41	$1.25	$1.22

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