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Community Bank

Winslow, IL · Cert 10791 · Stateline Cmty Bancshares Inc.

State charter, non-member · FDIC · 4 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

88

Q2 2024Q2 2026peer median (50)

Asset Quality

52

Q2 2024Q2 2026peer median (50)

Profitability

34

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

92

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

Community Bank

Winslow, IL · Cert 10791 · Stateline Cmty Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$310.8MAssets
$217.1MLoans
$210.7MDeposits
$45.0MEquity
Loan mix
81%RE $153.2M17%C&I $31.5M2%Consumer $3.9MQ2 2025Q2 2026
Deposit mix
93%Interest-bearing $195.1M7%Noninterest $15.5MQ2 2025Q2 2026

NIM

4.83%Q2 ’244.81%Q2 ’254.84%Q2 ’26-5%+3%

Non-interest income vs. expense

1.24%Q2 ’241.46%Q2 ’251.40%Q2 ’26+29%-4%

Executive Summary

  • Earnings: ROA of 1.15%, up 9 bps year over year; NIM at 2.75%.
  • Asset quality: problem loans at 1.50% of loans (-5 bps YoY), with net recoveries of 0.06%.
  • Capital: tier 1 leverage ratio of 16.02%, up 12 bps from a year ago.
  • Funding: loans stand at 103.05% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.15%+9 bps YoY

Net Interest Margin (YTD, annualized)

2.75%+9 bps YoY

Efficiency Ratio (YTD, annualized)

48.64%-378 bps YoY

Tier 1 Leverage Ratio

16.02%+12 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.06%1.14%1.12%1.23%1.15%+9 bps
Return on Equity7.68%8.18%7.96%8.38%7.83%+15 bps
Net Interest Margin2.66%2.65%2.63%2.75%2.75%+9 bps
Efficiency Ratio52.42%49.33%50.67%44.43%48.64%-378 bps
Non-Interest Burden1.34%1.24%1.27%1.15%1.28%-6 bps
Growth
Asset Growth (YoY)4.56%3.97%3.43%5.85%7.19%+263 bps
Loan Growth (YoY)5.50%8.04%8.92%9.16%7.79%+229 bps
Deposit Growth (YoY)6.97%4.40%-0.35%3.06%6.68%-29 bps
Asset Quality
Nonperforming Loans / Loans1.55%1.48%1.40%1.38%1.50%-5 bps
Net Charge-Offs / Loans-0.01%0.00%0.00%-0.06%-0.06%-4 bps
Allowance / Loans0.94%0.92%0.91%0.91%0.90%-4 bps
Allowance Coverage of NPLs0.6x0.6x0.6x0.7x0.6x0.0x
Capital
Tier 1 Leverage Ratio15.90%15.88%15.89%15.97%16.02%+12 bps
Total Risk-Based Capital25.22%25.27%25.43%25.28%24.99%-24 bps
Equity / Assets13.84%14.40%14.78%14.63%14.46%+63 bps
Liquidity & Funding
Loans / Deposits101.99%103.30%106.88%105.54%103.05%+106 bps
Liquid Assets / Assets6.36%6.75%6.61%7.36%7.29%+92 bps
CRE / Total Capitaln/a49.83%49.69%49.56%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

Community Bank

Winslow, IL · Cert 10791 · Peer group: banks under $1B in assets in IL (n=149-151) · Stateline Cmty Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$310.8MAssets
$217.1MLoans
$210.7MDeposits
$45.0MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 92% of banks under $1B in assets in IL (rank 13 of 151).
  • Widest gap: net interest margin trails 88% of banks under $1B in assets in IL (rank 133 of 151).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.12%

Rank 66 of 151

Net Interest Margin

2.75%

Rank 133 of 151

Efficiency Ratio

48.64%

Rank 13 of 151

Equity / Assets

14.46%

Rank 19 of 151

Non-interest income vs. expense

$0.4M$4.3MINCOMEEXPENSE
Unfavorable gap of $3.9M · efficiency ratio beats 92% of banks under $1B in assets in IL
Bank 48.64%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.12%0.70%1.03%1.34%Beats 56%66 / 151
Return on Equity7.76%6.74%9.34%12.94%Beats 35%98 / 151
Net Interest Margin2.75%3.02%3.43%3.83%Beats 12%133 / 151
Efficiency Ratio48.64%54.64%64.89%72.50%Beats 92%13 / 151
Asset Quality
Nonperforming Loans / Loans1.50%0.20%0.66%1.77%Beats 32%102 / 149
Net Charge-Offs / Loans0.01%0.00%0.02%0.07%Beats 72%42 / 149
Capital
Tier 1 Capital Ratio23.98%11.83%14.17%18.66%Beats 89%17 / 151
Total Risk-Based Capital Ratio24.99%12.22%14.54%19.92%Beats 89%17 / 151
Equity / Assets14.46%9.10%10.65%12.40%Beats 87%19 / 151
Liquidity & Funding
Loans / Deposits103.05%54.39%71.02%80.75%98th pctl3 / 149
Loans / Assets69.85%45.91%61.31%68.01%79th pctl31 / 151
Brokered Deposits / Depositsn/aNot reported for this institution