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Tompkins State Bank

Avon, IL · Cert 10849 · Tompkins Bcorp Inc.

State charter, non-member · FDIC · 4 branches

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

48

Q2 2024Q2 2026peer median (50)

Asset Quality

49

Q2 2024Q2 2026peer median (50)

Profitability

39

Q2 2024Q2 2026peer median (50)

Liquidity

61

Q2 2024Q2 2026peer median

Efficiency

34

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

Tompkins State Bank

Avon, IL · Cert 10849 · Tompkins Bcorp Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$303.5MAssets
$169.5MLoans
$274.3MDeposits
$28.6MEquity
Loan mix
72%RE $91.2M25%C&I $32.0M2%Consumer $3.1MQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $217.6M21%Noninterest $56.6MQ2 2025Q2 2026

NIM

4.50%Q2 ’244.63%Q2 ’254.66%Q2 ’26+2%+2%

Non-interest income vs. expense

2.34%Q2 ’242.53%Q2 ’252.52%Q2 ’26+12%-1%

Executive Summary

  • Earnings: ROA of 0.81%, up 1 bps year over year; NIM at 3.33%.
  • Asset quality: problem loans at 0.20% of loans (-52 bps YoY), with net charge-offs at 0.09%.
  • Capital: tier 1 leverage ratio of 9.82%, up 18 bps from a year ago.
  • Funding: loans stand at 61.79% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.81%+1 bps YoY

Net Interest Margin (YTD, annualized)

3.33%+5 bps YoY

Efficiency Ratio (YTD, annualized)

69.17%-154 bps YoY

Tier 1 Leverage Ratio

9.82%+18 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.80%0.83%0.78%0.85%0.81%+1 bps
Return on Equity9.66%9.75%8.99%9.08%8.63%-103 bps
Net Interest Margin3.28%3.24%3.21%3.31%3.33%+5 bps
Efficiency Ratio70.71%69.61%71.37%65.18%69.17%-154 bps
Non-Interest Burden2.19%2.14%2.18%2.02%2.17%-2 bps
Growth
Asset Growth (YoY)-1.56%4.05%6.61%1.77%5.51%+707 bps
Loan Growth (YoY)-1.74%4.23%11.55%6.26%8.55%+1,030 bps
Deposit Growth (YoY)0.34%6.20%7.34%2.08%5.99%+565 bps
Asset Quality
Nonperforming Loans / Loans0.71%0.67%0.64%0.92%0.20%-52 bps
Net Charge-Offs / Loans-0.04%-0.04%-0.03%0.04%0.09%+13 bps
Allowance / Loans0.87%0.85%0.85%0.87%0.82%-5 bps
Allowance Coverage of NPLs1.2x1.3x1.3x1.0x4.1x+2.9x
Capital
Tier 1 Leverage Ratio9.64%9.62%9.57%9.59%9.82%+18 bps
Total Risk-Based Capital15.62%14.26%15.33%15.67%15.74%+11 bps
Equity / Assets8.50%9.16%9.33%9.40%9.42%+92 bps
Liquidity & Funding
Loans / Deposits60.34%59.17%62.28%60.21%61.79%+146 bps
Liquid Assets / Assets2.10%4.77%1.86%4.39%1.26%-84 bps
CRE / Total Capitaln/a95.22%114.98%117.78%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

Tompkins State Bank

Avon, IL · Cert 10849 · Peer group: banks under $1B in assets in IL (n=149-151) · Tompkins Bcorp Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$303.5MAssets
$169.5MLoans
$274.3MDeposits
$28.6MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 74% of banks under $1B in assets in IL (rank 40 of 149).
  • Widest gap: net charge-offs / loans trails 76% of banks under $1B in assets in IL (rank 114 of 149).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.81%

Rank 101 of 151

Net Interest Margin

3.33%

Rank 90 of 151

Efficiency Ratio

69.22%

Rank 101 of 151

Equity / Assets

9.42%

Rank 105 of 151

Non-interest income vs. expense

$1.1M$7.7MINCOMEEXPENSE
Unfavorable gap of $6.6M · efficiency ratio beats 34% of banks under $1B in assets in IL
Bank 69.22%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.81%0.70%1.03%1.34%Beats 33%101 / 151
Return on Equity8.63%6.74%9.34%12.94%Beats 45%83 / 151
Net Interest Margin3.33%3.02%3.43%3.83%Beats 40%90 / 151
Efficiency Ratio69.22%54.64%64.89%72.50%Beats 34%101 / 151
Asset Quality
Nonperforming Loans / Loans0.20%0.20%0.66%1.77%Beats 74%40 / 149
Net Charge-Offs / Loans0.08%0.00%0.02%0.07%Beats 24%114 / 149
Capital
Tier 1 Capital Ratio14.96%11.83%14.17%18.66%Beats 56%66 / 151
Total Risk-Based Capital Ratio15.74%12.22%14.54%19.92%Beats 57%65 / 151
Equity / Assets9.42%9.10%10.65%12.40%Beats 30%105 / 151
Liquidity & Funding
Loans / Deposits61.79%54.39%71.02%80.75%34th pctl99 / 149
Loans / Assets55.84%45.91%61.31%68.01%40th pctl90 / 151
Brokered Deposits / Depositsn/aNot reported for this institution