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State Bank of Industry

Industry, IL · Cert 10820

State charter, non-member · FDIC · 1 branch

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

59

Q2 2024Q2 2026peer median (50)

Asset Quality

45

Q2 2024Q2 2026peer median (50)

Profitability

35

Q2 2024Q2 2026peer median (50)

Liquidity

91

Q2 2024Q2 2026peer median

Efficiency

56

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

State Bank of Industry

Industry, IL · Cert 10820

State charter, non-member · FDIC · 1 branch

Q2 2026

$64.3MAssets
$38.3MLoans
$55.6MDeposits
$8.4MEquity
Loan mix
74%RE $20.5M18%C&I $5.0M8%Consumer $2.2MQ2 2025Q2 2026
Deposit mix
88%Interest-bearing $49.2M12%Noninterest $6.4MQ2 2025Q2 2026

NIM

4.86%Q2 ’244.75%Q2 ’254.86%Q2 ’26+1%+10%

Non-interest income vs. expense

2.00%Q2 ’241.90%Q2 ’252.03%Q2 ’26-5%+8%

Executive Summary

  • Earnings: ROA of 0.98%, up 10 bps year over year; NIM at 3.10%.
  • Asset quality: problem loans at 0.44% of loans (+3 bps YoY), with net charge-offs at 0.09%.
  • Capital: tier 1 leverage ratio of 14.21%, up 75 bps from a year ago.
  • Funding: loans stand at 68.88% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.98%+10 bps YoY

Net Interest Margin (YTD, annualized)

3.10%+27 bps YoY

Efficiency Ratio (YTD, annualized)

62.57%-100 bps YoY

Tier 1 Leverage Ratio

14.21%+75 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.89%0.93%0.89%1.05%0.98%+10 bps
Return on Equity7.78%7.90%7.41%8.23%7.63%-15 bps
Net Interest Margin2.83%2.93%3.04%3.06%3.10%+27 bps
Efficiency Ratio63.57%62.20%64.67%59.44%62.57%-100 bps
Non-Interest Burden1.74%1.77%1.90%1.78%1.88%+14 bps
Growth
Asset Growth (YoY)12.03%3.40%0.23%-0.55%-3.24%-1,528 bps
Loan Growth (YoY)2.28%-3.76%6.47%5.21%1.29%-100 bps
Deposit Growth (YoY)13.48%3.54%-1.14%-2.04%-5.32%-1,880 bps
Asset Quality
Nonperforming Loans / Loans0.41%0.85%0.88%0.30%0.44%+3 bps
Net Charge-Offs / Loans0.02%0.03%0.02%0.16%0.09%+7 bps
Allowance / Loans1.33%1.35%1.22%1.25%1.24%-9 bps
Allowance Coverage of NPLs3.2x1.6x1.4x4.2x2.8x-0.4x
Capital
Tier 1 Leverage Ratio13.45%14.03%14.57%13.96%14.21%+75 bps
Total Risk-Based Capital13.45%14.03%14.57%13.96%14.21%+75 bps
Equity / Assets11.21%12.90%13.15%12.48%13.10%+189 bps
Liquidity & Funding
Loans / Deposits64.39%68.86%74.66%66.58%68.88%+449 bps
Liquid Assets / Assets18.43%12.95%8.47%16.46%12.68%-574 bps
CRE / Total Capitaln/a33.02%44.71%45.29%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

State Bank of Industry

Industry, IL · Cert 10820 · Peer group: banks under $1B in assets in IL (n=149-151)

State charter, non-member · FDIC · 1 branch

Q2 2026

$64.3MAssets
$38.3MLoans
$55.6MDeposits
$8.4MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 81% of banks under $1B in assets in IL (rank 29 of 151).
  • Widest gap: net interest margin trails 72% of banks under $1B in assets in IL (rank 109 of 151).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.99%

Rank 84 of 151

Net Interest Margin

3.10%

Rank 109 of 151

Efficiency Ratio

62.57%

Rank 67 of 151

Equity / Assets

13.10%

Rank 29 of 151

Non-interest income vs. expense

$0.1M$1.4MINCOMEEXPENSE
Unfavorable gap of $1.3M · efficiency ratio beats 56% of banks under $1B in assets in IL
Bank 62.57%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.99%0.70%1.03%1.34%Beats 44%84 / 151
Return on Equity7.54%6.74%9.34%12.94%Beats 32%102 / 151
Net Interest Margin3.10%3.02%3.43%3.83%Beats 28%109 / 151
Efficiency Ratio62.57%54.64%64.89%72.50%Beats 56%67 / 151
Asset Quality
Nonperforming Loans / Loans0.44%0.20%0.66%1.77%Beats 58%63 / 149
Net Charge-Offs / Loans0.05%0.00%0.02%0.07%Beats 31%104 / 149
Capital
Tier 1 Capital Ratio14.21%11.83%14.17%18.66%Beats 51%74 / 151
Total Risk-Based Capital Ratio14.21%12.22%14.54%19.92%Beats 46%81 / 151
Equity / Assets13.10%9.10%10.65%12.40%Beats 81%29 / 151
Liquidity & Funding
Loans / Deposits68.88%54.39%71.02%80.75%44th pctl84 / 149
Loans / Assets59.49%45.91%61.31%68.01%46th pctl82 / 151
Brokered Deposits / Depositsn/aNot reported for this institution