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

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.87%0.75%0.98%0.89%0.93%0.89%1.05%0.98%+10 bps
Return on Equity7.06%6.08%8.52%7.78%7.90%7.41%8.23%7.63%-15 bps
Net Interest Margin2.82%2.73%2.83%2.83%2.93%3.04%3.06%3.10%+27 bps
Efficiency Ratio64.79%69.72%58.94%63.57%62.20%64.67%59.44%62.57%-100 bps
Non-Interest Burden1.78%1.86%1.61%1.74%1.77%1.90%1.78%1.88%+14 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 / Loans-0.01%-0.03%0.03%0.02%0.03%0.02%0.16%0.09%+7 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