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Du Quoin State Bank

Du Quoin, IL · Cert 10804 · Perry County Bcorp Inc.

State charter, Fed member · FED · 5 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

61

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

49

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

25

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

Du Quoin State Bank

Du Quoin, IL · Cert 10804 · Perry County Bcorp Inc.

State charter, Fed member · FED · 5 branches

Q2 2026

$148.2MAssets
$47.4MLoans
$136.3MDeposits
$6.0MEquity
Loan mix
85%RE $39.2M8%C&I $3.6M7%Consumer $3.3MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $110.4M19%Noninterest $25.9MQ2 2025Q2 2026

NIM

4.74%Q2 ’244.81%Q2 ’254.70%Q2 ’26-7%-3%

Non-interest income vs. expense

3.04%Q2 ’242.73%Q2 ’252.59%Q2 ’26-15%+1%

Executive Summary

  • Earnings: ROA of 0.72%, down 9 bps year over year; NIM at 3.14%.
  • Asset quality: problem loans at 0.00% of loans (-10 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.78%, down 20 bps from a year ago.
  • Funding: loans stand at 34.74% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.72%-9 bps YoY

Net Interest Margin (YTD, annualized)

3.14%-8 bps YoY

Efficiency Ratio (YTD, annualized)

73.65%+107 bps YoY

Tier 1 Leverage Ratio

10.78%-20 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.80%0.82%0.71%0.76%0.72%-9 bps
Return on Equity44.50%36.10%26.99%21.91%19.58%-2,493 bps
Net Interest Margin3.23%3.28%3.18%3.12%3.14%-8 bps
Efficiency Ratio72.58%71.56%72.97%72.48%73.65%+107 bps
Non-Interest Burden2.19%2.20%2.19%2.15%2.21%+2 bps
Growth
Asset Growth (YoY)3.02%-1.67%5.21%1.64%11.42%+840 bps
Loan Growth (YoY)20.24%12.00%9.22%11.82%8.52%-1,172 bps
Deposit Growth (YoY)4.06%-0.89%3.78%0.91%9.44%+538 bps
Asset Quality
Nonperforming Loans / Loans0.10%0.08%0.08%0.00%0.00%-10 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.50%1.43%1.43%1.44%1.45%-6 bps
Allowance Coverage of NPLs15.6x17.4x18.6xn/an/an/a
Capital
Tier 1 Leverage Ratio10.97%11.61%11.25%10.83%10.78%-20 bps
Total Risk-Based Capital25.86%25.84%25.31%25.39%26.23%+37 bps
Equity / Assets1.52%3.65%4.09%2.87%4.06%+254 bps
Liquidity & Funding
Loans / Deposits35.04%37.75%37.03%35.34%34.74%-29 bps
Liquid Assets / Assets1.27%1.31%1.55%1.45%1.08%-19 bps
CRE / Total Capitaln/a116.57%125.03%124.87%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

Du Quoin State Bank

Du Quoin, IL · Cert 10804 · Peer group: banks under $1B in assets in IL (n=149-151) · Perry County Bcorp Inc.

State charter, Fed member · FED · 5 branches

Q2 2026

$148.2MAssets
$47.4MLoans
$136.3MDeposits
$6.0MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in IL (rank 14 of 149).
  • Widest gap: equity / assets trails 99% of banks under $1B in assets in IL (rank 150 of 151).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.70%

Rank 114 of 151

Net Interest Margin

3.14%

Rank 106 of 151

Efficiency Ratio

73.65%

Rank 115 of 151

Equity / Assets

4.06%

Rank 150 of 151

Non-interest income vs. expense

$0.6M$3.8MINCOMEEXPENSE
Unfavorable gap of $3.2M · efficiency ratio beats 25% of banks under $1B in assets in IL
Bank 73.65%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.70%0.70%1.03%1.34%Beats 25%114 / 151
Return on Equity17.13%6.74%9.34%12.94%Beats 93%10 / 151
Net Interest Margin3.14%3.02%3.43%3.83%Beats 30%106 / 151
Efficiency Ratio73.65%54.64%64.89%72.50%Beats 25%115 / 151
Asset Quality
Nonperforming Loans / Loans0.00%0.20%0.66%1.77%Beats 100%14 / 149
Net Charge-Offs / Loans0.00%0.00%0.02%0.07%Beats 100%27 / 149
Capital
Tier 1 Capital Ratio25.11%11.83%14.17%18.66%Beats 91%13 / 151
Total Risk-Based Capital Ratio26.23%12.22%14.54%19.92%Beats 91%13 / 151
Equity / Assets4.06%9.10%10.65%12.40%Beats 1%150 / 151
Liquidity & Funding
Loans / Deposits34.74%54.39%71.02%80.75%4th pctl143 / 149
Loans / Assets31.95%45.91%61.31%68.01%7th pctl141 / 151
Brokered Deposits / Depositsn/aNot reported for this institution