PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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