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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 $1.8MQ3 2024Q2 2026
Deposit mix
79%Interest-bearing $71.3M21%Noninterest $19.0MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.90%0.90%0.88%0.91%0.98%0.99%1.19%1.21%+30 bps
Return on Equity6.68%6.53%6.04%6.20%6.63%6.47%7.03%7.15%+95 bps
Net Interest Margin2.24%2.25%2.47%2.52%2.57%2.69%2.83%2.84%+32 bps
Efficiency Ratio56.06%56.49%57.98%57.75%55.25%56.24%49.88%50.09%-766 bps
Non-Interest Burden1.11%1.15%1.37%1.39%1.35%1.44%1.32%1.34%-5 bps
Growth
Asset Growth (YoY)2.19%-2.49%6.05%6.77%6.29%-0.80%-3.44%-3.31%-1,007 bps
Loan Growth (YoY)29.25%15.79%17.61%14.78%19.47%20.89%10.38%4.07%-1,071 bps
Deposit Growth (YoY)-1.19%-4.69%4.39%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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.03%0.03%0.00%0.00%0.00%0.00%0.03%0.02%+2 bps
Allowance / Loans0.60%0.60%0.54%0.52%0.50%0.48%0.47%0.47%-5 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio15.84%15.68%16.02%15.81%15.88%16.46%17.56%17.31%+150 bps
Total Risk-Based Capital15.84%15.68%16.02%15.81%15.88%16.46%17.56%17.31%+150 bps
Equity / Assets14.30%14.70%14.54%14.95%14.99%17.10%16.83%16.87%+191 bps
Liquidity & Funding
Loans / Deposits40.86%43.17%45.23%46.49%46.29%54.14%53.09%51.20%+471 bps
Liquid Assets / Assets7.61%7.54%5.79%6.60%6.75%7.38%6.23%7.05%+45 bps
CRE / Total Capitaln/an/an/an/a19.99%20.03%20.57%n/an/a