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Illini State Bank

Tonica, IL · Cert 10788 · Isb Bcorp Inc.

State charter, Fed member · FED · 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

63

Q2 2024Q2 2026peer median (50)

Asset Quality

36

Q2 2024Q2 2026peer median (50)

Profitability

34

Q2 2024Q2 2026peer median (50)

Liquidity

16

Q2 2024Q2 2026peer median

Efficiency

83

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

Illini State Bank

Tonica, IL · Cert 10788 · Isb Bcorp Inc.

State charter, Fed member · FED · 3 branches

Q2 2026

$171.9MAssets
$107.7MLoans
$124.5MDeposits
$24.6MEquity
Loan mix
93%RE $85.4M6%C&I $5.6M1%Consumer $0.9MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $97.2M22%Noninterest $27.3MQ2 2025Q2 2026

NIM

4.35%Q2 ’244.37%Q2 ’254.75%Q2 ’26+2%+21%

Non-interest income vs. expense

1.51%Q2 ’241.53%Q2 ’251.62%Q2 ’26-1%+6%

Executive Summary

  • Earnings: ROA of 1.01%, up 23 bps year over year; NIM at 3.07%.
  • Asset quality: problem loans at 1.86% of loans (-49 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 14.42%, up 38 bps from a year ago.
  • Funding: loans stand at 86.50% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.01%+23 bps YoY

Net Interest Margin (YTD, annualized)

3.07%+53 bps YoY

Efficiency Ratio (YTD, annualized)

51.91%-703 bps YoY

Tier 1 Leverage Ratio

14.42%+38 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.79%0.82%0.83%0.91%1.01%+23 bps
Return on Equity6.25%6.37%6.29%6.55%7.20%+95 bps
Net Interest Margin2.54%2.57%2.55%2.96%3.07%+53 bps
Efficiency Ratio58.94%57.70%58.60%54.46%51.91%-703 bps
Non-Interest Burden1.41%1.40%1.41%1.50%1.49%+8 bps
Growth
Asset Growth (YoY)1.99%0.35%3.04%2.53%1.35%-63 bps
Loan Growth (YoY)-3.48%-3.12%-0.17%-1.64%1.07%+454 bps
Deposit Growth (YoY)3.34%1.91%-1.12%-2.17%-2.39%-573 bps
Asset Quality
Nonperforming Loans / Loans2.36%1.95%1.94%1.92%1.86%-49 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.07%0.04%+4 bps
Allowance / Loans0.96%0.97%0.99%1.07%1.14%+18 bps
Allowance Coverage of NPLs0.4x0.5x0.5x0.6x0.6x+0.2x
Capital
Tier 1 Leverage Ratio14.05%14.26%13.72%14.02%14.42%+38 bps
Total Risk-Based Capital14.05%14.26%13.72%14.02%14.42%+38 bps
Equity / Assets12.93%14.01%13.81%14.12%14.29%+135 bps
Liquidity & Funding
Loans / Deposits83.54%85.72%87.74%86.25%86.50%+296 bps
Liquid Assets / Assets6.02%5.25%3.62%4.66%4.30%-172 bps
CRE / Total Capitaln/a177.83%178.81%180.98%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

Illini State Bank

Tonica, IL · Cert 10788 · Peer group: banks under $1B in assets in IL (n=149-151) · Isb Bcorp Inc.

State charter, Fed member · FED · 3 branches

Q2 2026

$171.9MAssets
$107.7MLoans
$124.5MDeposits
$24.6MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 86% of banks under $1B in assets in IL (rank 21 of 151).
  • Widest gap: nonperforming loans / loans trails 77% of banks under $1B in assets in IL (rank 115 of 149).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.01%

Rank 80 of 151

Net Interest Margin

3.07%

Rank 110 of 151

Efficiency Ratio

51.91%

Rank 26 of 151

Equity / Assets

14.29%

Rank 21 of 151

Non-interest income vs. expense

$0.2M$2.8MINCOMEEXPENSE
Unfavorable gap of $2.6M · efficiency ratio beats 83% of banks under $1B in assets in IL
Bank 51.91%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.01%0.70%1.03%1.34%Beats 47%80 / 151
Return on Equity7.09%6.74%9.34%12.94%Beats 28%109 / 151
Net Interest Margin3.07%3.02%3.43%3.83%Beats 27%110 / 151
Efficiency Ratio51.91%54.64%64.89%72.50%Beats 83%26 / 151
Asset Quality
Nonperforming Loans / Loans1.86%0.20%0.66%1.77%Beats 23%115 / 149
Net Charge-Offs / Loans0.02%0.00%0.02%0.07%Beats 48%78 / 149
Capital
Tier 1 Capital Ratio14.42%11.83%14.17%18.66%Beats 54%70 / 151
Total Risk-Based Capital Ratio14.42%12.22%14.54%19.92%Beats 49%77 / 151
Equity / Assets14.29%9.10%10.65%12.40%Beats 86%21 / 151
Liquidity & Funding
Loans / Deposits86.50%54.39%71.02%80.75%85th pctl22 / 149
Loans / Assets62.65%45.91%61.31%68.01%52nd pctl72 / 151
Brokered Deposits / Depositsn/aNot reported for this institution