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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