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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

4.36%Q2 ’244.50%Q2 ’254.81%Q2 ’26+9%+18%

Non-interest income vs. expense

1.50%Q2 ’241.45%Q2 ’251.59%Q2 ’26-5%+11%

Executive Summary

  • Earnings: ROA of 1.11%, up 16 bps year over year; NIM at 3.18%.
  • Asset quality: problem loans at 1.86% of loans (-49 bps YoY), with net charge-offs at 0.00%.
  • 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 (quarter, annualized)

1.11%+16 bps YoY

Net Interest Margin (quarter, annualized)

3.18%+49 bps YoY

Efficiency Ratio (quarter, annualized)

49.49%-353 bps YoY

Tier 1 Leverage Ratio

14.42%+38 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.95%0.90%0.82%0.91%1.11%+16 bps
Return on Equity7.42%6.67%5.90%6.55%7.84%+42 bps
Net Interest Margin2.69%2.66%2.73%2.96%3.18%+49 bps
Efficiency Ratio53.03%55.34%61.07%54.46%49.49%-353 bps
Non-Interest Burden1.34%1.38%1.58%1.50%1.48%+14 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%0.00%0 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