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Anderson State Bank

Oneida, IL · Cert 10858 · Anderson Bcorp Inc.

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

76

Q2 2024Q2 2026peer median (50)

Asset Quality

80

Q2 2024Q2 2026peer median (50)

Profitability

35

Q2 2024Q2 2026peer median (50)

Liquidity

15

Q2 2024Q2 2026peer median

Efficiency

90

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

Anderson State Bank

Oneida, IL · Cert 10858 · Anderson Bcorp Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$108.9MAssets
$46.2MLoans
$90.3MDeposits
$18.4MEquity
Loan mix
87%RE $23.8M6%C&I $1.8M7%Consumer $1.8MQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $71.3M21%Noninterest $19.0MQ2 2025Q2 2026

NIM

3.11%Q2 ’243.49%Q2 ’253.73%Q2 ’26+15%+13%

Non-interest income vs. expense

1.45%Q2 ’241.54%Q2 ’251.51%Q2 ’26+35%-4%

Executive Summary

  • Earnings: ROA of 1.21%, up 30 bps year over year; NIM at 2.84%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 17.31%, up 150 bps from a year ago.
  • Funding: loans stand at 51.20% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.21%+30 bps YoY

Net Interest Margin (YTD, annualized)

2.84%+32 bps YoY

Efficiency Ratio (YTD, annualized)

50.09%-766 bps YoY

Tier 1 Leverage Ratio

17.31%+150 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.91%0.98%0.99%1.19%1.21%+30 bps
Return on Equity6.20%6.63%6.47%7.03%7.15%+95 bps
Net Interest Margin2.52%2.57%2.69%2.83%2.84%+32 bps
Efficiency Ratio57.75%55.25%56.24%49.88%50.09%-766 bps
Non-Interest Burden1.39%1.35%1.44%1.32%1.34%-5 bps
Growth
Asset Growth (YoY)6.77%6.29%-0.80%-3.44%-3.31%-1,007 bps
Loan Growth (YoY)14.78%19.47%20.89%10.38%4.07%-1,071 bps
Deposit Growth (YoY)5.24%5.45%-3.62%-5.96%-5.51%-1,075 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.03%0.02%+2 bps
Allowance / Loans0.52%0.50%0.48%0.47%0.47%-5 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio15.81%15.88%16.46%17.56%17.31%+150 bps
Total Risk-Based Capital15.81%15.88%16.46%17.56%17.31%+150 bps
Equity / Assets14.95%14.99%17.10%16.83%16.87%+191 bps
Liquidity & Funding
Loans / Deposits46.49%46.29%54.14%53.09%51.20%+471 bps
Liquid Assets / Assets6.60%6.75%7.38%6.23%7.05%+45 bps
CRE / Total Capitaln/a19.99%20.03%20.57%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

Anderson State Bank

Oneida, IL · Cert 10858 · Peer group: banks under $1B in assets in IL (n=149-151) · Anderson Bcorp Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$108.9MAssets
$46.2MLoans
$90.3MDeposits
$18.4MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in IL (rank 14 of 149).
  • Widest gap: net interest margin trails 85% of banks under $1B in assets in IL (rank 128 of 151).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.19%

Rank 57 of 151

Net Interest Margin

2.84%

Rank 128 of 151

Efficiency Ratio

50.09%

Rank 16 of 151

Equity / Assets

16.87%

Rank 13 of 151

Non-interest income vs. expense

$0.2M$1.7MINCOMEEXPENSE
Unfavorable gap of $1.5M · efficiency ratio beats 90% of banks under $1B in assets in IL
Bank 50.09%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.19%0.70%1.03%1.34%Beats 62%57 / 151
Return on Equity7.04%6.74%9.34%12.94%Beats 27%110 / 151
Net Interest Margin2.84%3.02%3.43%3.83%Beats 15%128 / 151
Efficiency Ratio50.09%54.64%64.89%72.50%Beats 90%16 / 151
Asset Quality
Nonperforming Loans / Loans0.00%0.20%0.66%1.77%Beats 100%14 / 149
Net Charge-Offs / Loans0.01%0.00%0.02%0.07%Beats 59%62 / 149
Capital
Tier 1 Capital Ratio17.31%11.83%14.17%18.66%Beats 69%47 / 151
Total Risk-Based Capital Ratio17.31%12.22%14.54%19.92%Beats 67%50 / 151
Equity / Assets16.87%9.10%10.65%12.40%Beats 91%13 / 151
Liquidity & Funding
Loans / Deposits51.20%54.39%71.02%80.75%17th pctl123 / 149
Loans / Assets42.46%45.91%61.31%68.01%13th pctl131 / 151
Brokered Deposits / Depositsn/aNot reported for this institution