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Middletown State Bank

Middletown, IL · Cert 10463

State charter, non-member · 3 branches

Q1 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: Q1 2026, the quarter ended March 31, 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=150 to 152). 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

62

Q2 2024Q1 2026peer median (50)

Asset Quality

100

Q2 2024Q1 2026peer median (50)

Profitability

69

Q2 2024Q1 2026peer median (50)

Liquidity

40

Q2 2024Q1 2026peer median

Efficiency

57

Q2 2024Q1 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

Middletown State Bank

Middletown, IL · Cert 10463

State charter, non-member · 3 branches

Q1 2026

$45.4MAssets
$31.3MLoans
$39.3MDeposits
$5.7MEquity
Loan mix
97%RE $27.4M0%C&I $0.1M3%Consumer $0.8MQ1 2025Q1 2026
Deposit mix
85%Interest-bearing $33.5M15%Noninterest $5.8MQ1 2025Q1 2026

NIM

4.74%Q1 ’244.96%Q1 ’255.91%Q1 ’26-6%+38%

Non-interest income vs. expense

1.45%Q1 ’241.49%Q1 ’252.63%Q1 ’26+1%+88%

Market Position · Springfield, IL · 2025 SOD (annual) · 0.1% share · #26 of 26 inst. · $0.0B of $9.5B

4.8% Logan
1.5% Menard

Executive Summary

  • Earnings: ROA of 1.18%, down 25 bps year over year; NIM at 4.32%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.61%, down 94 bps from a year ago.
  • Funding: loans stand at 79.72% of deposits as of Q1 2026.

Financial Results

Return on Assets (YTD, annualized)

1.18%-25 bps YoY

Net Interest Margin (YTD, annualized)

4.32%+119 bps YoY

Efficiency Ratio (YTD, annualized)

58.44%+1,274 bps YoY

Tier 1 Leverage Ratio

8.61%-94 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2025Q2 2025Q3 2025Q4 2025Q1 2026YoY ΔTrend
Earnings
Return on Assets1.43%-0.47%0.21%0.49%1.18%-25 bps
Return on Equity14.80%-4.32%1.85%4.23%9.33%-547 bps
Net Interest Margin3.12%1.66%2.63%3.12%4.32%+119 bps
Efficiency Ratio45.70%56.97%54.73%54.58%58.44%+1,274 bps
Non-Interest Burden1.35%0.94%1.45%1.72%2.54%+119 bps
Growth
Asset Growth (YoY)-2.98%4.47%8.66%14.61%10.88%+1,386 bps
Loan Growth (YoY)-4.80%0.41%-5.55%8.34%7.37%+1,217 bps
Deposit Growth (YoY)-4.12%0.45%4.37%10.65%10.90%+1,502 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.18%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.63%0.92%0.88%0.81%0.85%+22 bps
Allowance Coverage of NPLsn/an/a4.8xn/an/an/an/a
Capital
Tier 1 Leverage Ratio9.55%8.61%8.46%9.09%8.61%-94 bps
Total Risk-Based Capital9.55%14.57%15.17%14.88%15.14%+559 bps
Equity / Assets9.63%12.91%12.59%12.70%12.52%+290 bps
Liquidity & Funding
Loans / Deposits82.34%82.70%75.11%85.46%79.72%-262 bps
Liquid Assets / Assets18.90%5.27%9.36%9.03%11.58%-732 bps
CRE / Total Capitaln/an/a256%263%282%n/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

Middletown State Bank

Middletown, IL · Cert 10463 · Peer group: banks under $1B in assets in IL (n=150-152)

State charter, non-member · 3 branches

Q1 2026

$45.4MAssets
$31.3MLoans
$39.3MDeposits
$5.7MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in IL (rank 16 of 150).
  • Widest gap: tier 1 capital ratio trails 50% of banks under $1B in assets in IL (rank 76 of 152).
  • Overall: at or above the peer median on 10 of 10 directional measures.

Return on Assets

1.18%

Rank 57 of 152

Net Interest Margin

4.32%

Rank 10 of 152

Efficiency Ratio

62.14%

Rank 66 of 152

Equity / Assets

12.52%

Rank 31 of 152

Non-interest income vs. expense

$0.0M$1.2MINCOMEEXPENSE
Unfavorable gap of $1.2M · efficiency ratio beats 57% of banks under $1B in assets in IL
Bank 62.14%Peer median 63.7%Q2 2024Q1 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.18%0.75%1.03%1.34%Beats 63%57 / 152
Return on Equity9.44%6.57%9.41%13.12%Beats 51%75 / 152
Net Interest Margin4.32%3.00%3.40%3.78%Beats 93%10 / 152
Efficiency Ratio62.14%55.97%63.70%73.76%Beats 57%66 / 152
Asset Quality
Nonperforming Loans / Loans0.00%0.22%0.73%1.48%Beats 100%16 / 150
Net Charge-Offs / Loans0.00%n/a0.00%0.02%Beats 100%49 / 150
Capital
Tier 1 Capital Ratio14.08%11.55%14.08%18.86%Beats 50%76 / 152
Total Risk-Based Capital Ratio15.14%12.08%14.50%19.72%Beats 55%69 / 152
Equity / Assets12.52%8.98%10.44%12.26%Beats 80%31 / 152
Liquidity & Funding
Loans / Deposits79.72%53.13%69.42%79.72%75th pctl38 / 150
Loans / Assets69.06%45.89%60.87%68.03%80th pctl30 / 152
Brokered Deposits / Deposits0.00%n/an/a0.00%Beats 100%112 / 150