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Letter portraitLegal landscapeQuarterYTD

First State Bank of Van Orin

Van Orin, IL · Cert 10809 · Van Orin Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$40.0MAssets
$12.0MLoans
$35.4MDeposits
$4.3MEquity
Loan mix
54%RE $4.1M36%C&I $2.7M10%Consumer $0.8MQ3 2024Q2 2026
Deposit mix
84%Interest-bearing $29.6M16%Noninterest $5.8MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.56%, up 1 bps year over year; NIM at 2.35%.
  • Asset quality: problem loans at 4.54% of loans (+400 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 12.40%, up 143 bps from a year ago.
  • Funding: loans stand at 34.03% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.56%+1 bps YoY

Net Interest Margin (YTD, annualized)

2.35%-13 bps YoY

Efficiency Ratio (YTD, annualized)

71.65%+391 bps YoY

Tier 1 Leverage Ratio

12.40%+143 bps YoY

NIM

3.64%Q2 ’243.65%Q2 ’253.42%Q2 ’26-1%-5%

Non-interest income vs. expense

1.60%Q2 ’241.79%Q2 ’251.83%Q2 ’26+14%0%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.59%0.57%0.46%0.54%0.54%0.46%0.42%0.56%+1 bps
Return on Equity8.42%8.01%6.10%6.83%6.48%5.38%4.21%5.41%-142 bps
Net Interest Margin2.44%2.29%2.23%2.48%2.52%2.49%2.27%2.35%-13 bps
Efficiency Ratio63.87%64.69%67.52%67.74%69.98%73.12%77.61%71.65%+391 bps
Non-Interest Burden1.50%1.43%1.46%1.63%1.72%1.78%1.72%1.63%-1 bps
Growth
Asset Growth (YoY)3.14%-2.52%6.78%-3.51%-3.11%-4.07%-11.76%-4.97%-147 bps
Loan Growth (YoY)22.68%21.04%2.59%-1.01%3.71%-5.77%-2.07%1.42%+243 bps
Deposit Growth (YoY)-0.07%-3.74%5.61%-5.25%-4.34%-6.62%-14.54%-7.14%-189 bps
Asset Quality
Nonperforming Loans / Loans1.30%1.12%1.36%0.54%0.07%0.06%2.69%4.54%+400 bps
Net Charge-Offs / Loans0.30%0.22%0.00%0.00%0.00%0.00%0.00%0.03%+3 bps
Allowance / Loans1.26%1.44%1.65%1.74%1.67%1.87%1.83%1.73%-2 bps
Allowance Coverage of NPLs1.0x1.3x1.2x3.2x23.0x30.0x0.7x0.4x-2.9x
Capital
Tier 1 Leverage Ratio11.17%10.57%10.50%10.98%11.36%11.30%11.94%12.40%+143 bps
Total Risk-Based Capital25.36%25.96%25.69%27.33%26.91%28.63%28.66%27.84%+52 bps
Equity / Assets8.14%7.46%7.65%8.76%9.40%9.90%10.31%10.62%+186 bps
Liquidity & Funding
Loans / Deposits29.06%29.75%27.63%31.15%31.51%30.02%31.66%34.03%+287 bps
Liquid Assets / Assets29.32%30.61%34.28%30.11%29.59%29.63%29.07%21.72%-838 bps
CRE / Total Capitaln/an/an/an/a22.69%22.40%21.56%n/an/a