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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=147 to 149). 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

23

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 2026-10-10

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 $3.3MQ3 2024Q2 2026
Deposit mix
81%Interest-bearing $110.4M19%Noninterest $25.9MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.70%0.75%0.72%0.80%0.82%0.71%0.76%0.72%-9 bps
Return on Equity25.82%28.82%36.77%44.50%36.10%26.99%21.91%19.58%-2,493 bps
Net Interest Margin3.40%3.34%3.06%3.23%3.28%3.18%3.12%3.14%-8 bps
Efficiency Ratio76.16%74.48%74.02%72.58%71.56%72.97%72.48%73.65%+107 bps
Non-Interest Burden2.49%2.38%2.17%2.19%2.20%2.19%2.15%2.21%+2 bps
Growth
Asset Growth (YoY)14.42%0.21%3.85%3.02%-1.67%5.21%1.64%11.42%+840 bps
Loan Growth (YoY)24.79%27.67%16.94%20.24%12.00%9.22%11.82%8.52%-1,172 bps
Deposit Growth (YoY)9.14%2.02%5.66%4.06%-0.89%3.78%0.91%9.44%+538 bps
Asset Quality
Nonperforming Loans / Loans1.49%1.47%0.11%0.10%0.08%0.08%0.00%0.00%-10 bps
Net Charge-Offs / Loans0.01%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.53%1.49%1.54%1.50%1.43%1.43%1.44%1.45%-6 bps
Allowance Coverage of NPLs1.0x1.0x13.8x15.6x17.4x18.6xn/an/an/a
Capital
Tier 1 Leverage Ratio10.75%10.88%10.30%10.97%11.61%11.25%10.83%10.78%-20 bps
Total Risk-Based Capital25.11%25.15%25.26%25.86%25.84%25.31%25.39%26.23%+37 bps
Equity / Assets4.03%2.17%1.74%1.52%3.65%4.09%2.87%4.06%+254 bps
Liquidity & Funding
Loans / Deposits33.41%35.19%31.89%35.04%37.75%37.03%35.34%34.74%-29 bps
Liquid Assets / Assets1.37%0.56%2.90%1.27%1.31%1.55%1.45%1.08%-19 bps
CRE / Total Capitaln/an/an/an/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 2026-10-10

Du Quoin State Bank

Du Quoin, IL · Cert 10804 · Peer group: banks under $1B in assets in IL (n=147-149) · 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 15 of 147).
  • Widest gap: equity / assets trails 100% of banks under $1B in assets in IL (rank 149 of 149).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.70%

Rank 114 of 149

Net Interest Margin

3.14%

Rank 105 of 149

Efficiency Ratio

73.65%

Rank 115 of 149

Equity / Assets

4.06%

Rank 149 of 149

Non-interest income vs. expense

$0.6M$3.8MINCOMEEXPENSE
Unfavorable gap of $3.2M · efficiency ratio beats 23% of banks under $1B in assets in IL
Bank 73.65%Peer median 64.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.70%0.74%1.04%1.34%Beats 23%114 / 149
Return on Equity17.13%6.82%9.34%12.94%Beats 93%10 / 149
Net Interest Margin3.14%3.04%3.43%3.83%Beats 30%105 / 149
Efficiency Ratio73.65%54.64%64.55%71.82%Beats 23%115 / 149
Asset Quality
Nonperforming Loans / Loans0.00%0.19%0.65%1.77%Beats 100%15 / 147
Net Charge-Offs / Loans0.00%0.00%0.02%0.07%Beats 100%28 / 147
Capital
Tier 1 Capital Ratio25.11%11.87%14.21%18.66%Beats 91%13 / 149
Total Risk-Based Capital Ratio26.23%12.22%14.72%19.92%Beats 91%13 / 149
Equity / Assets4.06%9.24%10.65%12.40%Beats 0%149 / 149
Liquidity & Funding
Loans / Deposits34.74%53.80%70.99%80.75%4th pctl141 / 147
Loans / Assets31.95%46.03%61.30%67.68%7th pctl139 / 149
Brokered Deposits / Depositsn/aNot reported for this institution