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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 $13.9MQ3 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