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Raritan State Bank

Raritan, IL · Cert 10438 · Raritan State Bcorp 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 IL3

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 IL (n=149 to 151). 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

28

Q2 2024Q2 2026peer median (50)

Asset Quality

24

Q2 2024Q2 2026peer median (50)

Profitability

49

Q2 2024Q2 2026peer median (50)

Liquidity

25

Q2 2024Q2 2026peer median

Efficiency

64

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

Raritan State Bank

Raritan, IL · Cert 10438 · Raritan State Bcorp Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$253.9MAssets
$189.7MLoans
$223.6MDeposits
$28.8MEquity
Loan mix
69%RE $100.3M21%C&I $30.6M10%Consumer $13.9MQ3 2024Q2 2026
Deposit mix
85%Interest-bearing $191.1M15%Noninterest $32.5MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.06%, up 12 bps year over year; NIM at 3.36%.
  • Asset quality: problem loans at 1.67% of loans (+7 bps YoY), with net charge-offs at 0.20%.
  • Capital: tier 1 leverage ratio of 10.78%, down 38 bps from a year ago.
  • Funding: loans stand at 84.84% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.06%+12 bps YoY

Net Interest Margin (YTD, annualized)

3.36%+38 bps YoY

Efficiency Ratio (YTD, annualized)

59.51%+234 bps YoY

Tier 1 Leverage Ratio

10.78%-38 bps YoY

NIM

4.56%Q2 ’245.01%Q2 ’255.23%Q2 ’26+24%+13%

Non-interest income vs. expense

1.73%Q2 ’241.81%Q2 ’252.11%Q2 ’26+5%+19%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.60%0.64%1.04%0.94%0.96%0.97%0.98%1.06%+12 bps
Return on Equity6.41%6.69%10.26%9.17%9.13%9.11%8.85%9.52%+36 bps
Net Interest Margin2.42%2.53%2.92%2.97%3.05%3.15%3.14%3.36%+38 bps
Efficiency Ratio67.85%66.51%56.31%57.17%57.11%55.53%61.00%59.51%+234 bps
Non-Interest Burden1.58%1.61%1.56%1.62%1.65%1.65%1.84%1.92%+30 bps
Growth
Asset Growth (YoY)4.38%-3.02%-2.46%-0.73%-1.80%1.00%2.46%1.69%+242 bps
Loan Growth (YoY)5.91%3.54%4.39%5.64%5.03%7.80%11.00%9.48%+384 bps
Deposit Growth (YoY)3.91%-4.09%-4.09%-2.78%-2.01%-0.80%1.39%1.16%+393 bps
Asset Quality
Nonperforming Loans / Loans1.86%1.07%1.47%1.60%1.87%1.17%1.95%1.67%+7 bps
Net Charge-Offs / Loans0.11%0.12%0.17%0.20%0.18%0.16%0.06%0.20%0 bps
Allowance / Loans0.95%0.98%0.94%0.95%0.95%1.04%1.00%0.92%-3 bps
Allowance Coverage of NPLs0.5x0.9x0.6x0.6x0.5x0.9x0.5x0.5x0.0x
Capital
Tier 1 Leverage Ratio10.54%10.59%10.94%11.15%11.50%11.46%11.44%10.78%-38 bps
Total Risk-Based Capital10.54%10.59%10.94%11.15%11.50%11.46%11.44%10.78%-38 bps
Equity / Assets9.96%9.99%10.31%10.55%11.10%11.14%11.05%11.35%+80 bps
Liquidity & Funding
Loans / Deposits75.90%76.13%75.93%78.39%81.35%82.73%83.13%84.84%+645 bps
Liquid Assets / Assets2.49%2.45%2.44%2.05%1.74%1.47%1.34%1.95%-10 bps
CRE / Total Capitaln/an/an/an/a8.79%11.60%11.95%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

Raritan State Bank

Raritan, IL · Cert 10438 · Peer group: banks under $1B in assets in IL (n=149-151) · Raritan State Bcorp Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$253.9MAssets
$189.7MLoans
$223.6MDeposits
$28.8MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 64% of banks under $1B in assets in IL (rank 56 of 151).
  • Widest gap: total risk-based capital ratio trails 91% of banks under $1B in assets in IL (rank 137 of 151).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.06%

Rank 71 of 151

Net Interest Margin

3.36%

Rank 85 of 151

Efficiency Ratio

59.51%

Rank 56 of 151

Equity / Assets

11.35%

Rank 56 of 151

Non-interest income vs. expense

$0.5M$5.5MINCOMEEXPENSE
Unfavorable gap of $5.0M · efficiency ratio beats 64% of banks under $1B in assets in IL
Bank 59.51%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.06%0.70%1.03%1.34%Beats 53%71 / 151
Return on Equity9.34%6.74%9.34%12.94%Beats 50%76 / 151
Net Interest Margin3.36%3.02%3.43%3.83%Beats 44%85 / 151
Efficiency Ratio59.51%54.64%64.89%72.50%Beats 64%56 / 151
Asset Quality
Nonperforming Loans / Loans1.67%0.20%0.66%1.77%Beats 28%108 / 149
Net Charge-Offs / Loans0.11%0.00%0.02%0.07%Beats 19%121 / 149
Capital
Tier 1 Capital Ratio10.78%11.83%14.17%18.66%Beats 12%133 / 151
Total Risk-Based Capital Ratio10.78%12.22%14.54%19.92%Beats 9%137 / 151
Equity / Assets11.35%9.10%10.65%12.40%Beats 63%56 / 151
Liquidity & Funding
Loans / Deposits84.84%54.39%71.02%80.75%83rd pctl26 / 149
Loans / Assets74.73%45.91%61.31%68.01%89th pctl16 / 151
Brokered Deposits / Depositsn/aNot reported for this institution