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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

4.87%Q2 ’244.87%Q2 ’254.85%Q2 ’26-3%+3%

Non-interest income vs. expense

1.28%Q2 ’241.56%Q2 ’251.53%Q2 ’26+40%-2%

Executive Summary

  • Earnings: ROA of 1.06%, up 6 bps year over year; NIM at 2.78%.
  • Asset quality: problem loans at 1.50% of loans (-5 bps YoY), with net recoveries of 0.05%.
  • 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 (quarter, annualized)

1.06%+6 bps YoY

Net Interest Margin (quarter, annualized)

2.78%+7 bps YoY

Efficiency Ratio (quarter, annualized)

52.78%-248 bps YoY

Tier 1 Leverage Ratio

16.02%+12 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.01%1.31%1.06%1.23%1.06%+6 bps
Return on Equity7.25%9.25%7.27%8.38%7.31%+6 bps
Net Interest Margin2.71%2.74%2.75%2.75%2.78%+7 bps
Efficiency Ratio55.25%43.48%54.48%44.43%52.78%-248 bps
Non-Interest Burden1.45%1.11%1.44%1.15%1.42%-4 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 / Loans0.00%0.01%-0.01%-0.06%-0.05%-5 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