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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 $2.2MQ3 2024Q2 2026
Deposit mix
88%Interest-bearing $49.2M12%Noninterest $6.4MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.90%, up 11 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 0.02%.
  • 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.

Return on Assets (quarter, annualized)

0.90%+11 bps YoY

Net Interest Margin (quarter, annualized)

3.10%+21 bps YoY

Efficiency Ratio (quarter, annualized)

65.63%-232 bps YoY

Tier 1 Leverage Ratio

14.21%+75 bps YoY

NIM

4.97%Q2 ’244.86%Q2 ’254.85%Q2 ’26-1%+7%

Non-interest income vs. expense

2.14%Q2 ’242.09%Q2 ’252.15%Q2 ’260%+3%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.07%0.38%0.98%0.78%1.00%0.77%1.05%0.90%+11 bps
Return on Equity8.46%3.04%8.52%7.02%8.30%5.92%8.23%7.03%0 bps
Net Interest Margin2.90%2.73%2.83%2.89%2.98%3.08%3.06%3.10%+21 bps
Efficiency Ratio59.82%84.16%58.94%67.95%59.44%71.64%59.44%65.63%-232 bps
Non-Interest Burden1.70%2.27%1.61%1.90%1.74%2.13%1.78%1.97%+7 bps
Growth
Asset Growth (YoY)6.98%5.56%11.52%12.03%3.40%0.23%-0.55%-3.24%-1,528 bps
Loan Growth (YoY)14.07%6.48%1.97%2.28%-3.76%6.47%5.21%1.29%-100 bps
Deposit Growth (YoY)5.82%5.96%12.62%13.48%3.54%-1.14%-2.04%-5.32%-1,880 bps
Asset Quality
Nonperforming Loans / Loans0.30%0.34%0.09%0.41%0.85%0.88%0.30%0.44%+3 bps
Net Charge-Offs / Loans0.09%-0.11%0.03%0.01%0.05%0.00%0.16%0.02%+1 bps
Allowance / Loans1.32%1.36%1.35%1.33%1.35%1.22%1.25%1.24%-9 bps
Allowance Coverage of NPLs4.3x4.1x14.7x3.2x1.6x1.4x4.2x2.8x-0.4x
Capital
Tier 1 Leverage Ratio14.76%14.29%13.64%13.45%14.03%14.57%13.96%14.21%+75 bps
Total Risk-Based Capital21.87%14.29%13.64%13.45%14.03%14.57%13.96%14.21%+75 bps
Equity / Assets12.95%11.94%11.12%11.21%12.90%13.15%12.48%13.10%+189 bps
Liquidity & Funding
Loans / Deposits74.08%69.33%62.00%64.39%68.86%74.66%66.58%68.88%+449 bps
Liquid Assets / Assets10.82%13.51%22.01%18.43%12.95%8.47%16.46%12.68%-574 bps
CRE / Total Capitaln/an/an/an/a33.02%44.71%45.29%n/an/a