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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 $13.9MQ2 2025Q2 2026
Deposit mix
85%Interest-bearing $191.1M15%Noninterest $32.5MQ2 2025Q2 2026

NIM

4.57%Q2 ’245.02%Q2 ’255.51%Q2 ’26+29%+20%

Non-interest income vs. expense

1.67%Q2 ’241.87%Q2 ’252.22%Q2 ’26+13%+21%

Executive Summary

  • Earnings: ROA of 1.14%, up 30 bps year over year; NIM at 3.61%.
  • Asset quality: problem loans at 1.67% of loans (+7 bps YoY), with net charge-offs at 0.34%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

1.14%+30 bps YoY

Net Interest Margin (quarter, annualized)

3.61%+59 bps YoY

Efficiency Ratio (quarter, annualized)

58.21%+21 bps YoY

Tier 1 Leverage Ratio

10.78%-38 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.84%0.98%1.00%0.98%1.14%+30 bps
Return on Equity8.09%9.08%9.00%8.85%10.20%+211 bps
Net Interest Margin3.02%3.15%3.48%3.14%3.61%+59 bps
Efficiency Ratio58.00%57.01%51.32%61.00%58.21%+21 bps
Non-Interest Burden1.67%1.68%1.69%1.84%2.02%+35 bps
Growth
Asset Growth (YoY)-0.73%-1.80%1.00%2.46%1.69%+242 bps
Loan Growth (YoY)5.64%5.03%7.80%11.00%9.48%+384 bps
Deposit Growth (YoY)-2.78%-2.01%-0.80%1.39%1.16%+393 bps
Asset Quality
Nonperforming Loans / Loans1.60%1.87%1.17%1.95%1.67%+7 bps
Net Charge-Offs / Loans0.23%0.16%0.12%0.06%0.34%+11 bps
Allowance / Loans0.95%0.95%1.04%1.00%0.92%-3 bps
Allowance Coverage of NPLs0.6x0.5x0.9x0.5x0.5x0.0x
Capital
Tier 1 Leverage Ratio11.15%11.50%11.46%11.44%10.78%-38 bps
Total Risk-Based Capital11.15%11.50%11.46%11.44%10.78%-38 bps
Equity / Assets10.55%11.10%11.14%11.05%11.35%+80 bps
Liquidity & Funding
Loans / Deposits78.39%81.35%82.73%83.13%84.84%+645 bps
Liquid Assets / Assets2.05%1.74%1.47%1.34%1.95%-10 bps
CRE / Total Capitaln/a8.79%11.60%11.95%n/an/a