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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

$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