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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