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Iuka State Bank, The

Salem, IL · Cert 11317 · Iuka Bancshares Inc.

State charter, Fed member · FED · 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

15

Q2 2024Q2 2026peer median (50)

Asset Quality

1

Q2 2024Q2 2026peer median (50)

Profitability

34

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

24

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

Iuka State Bank, The

Salem, IL · Cert 11317 · Iuka Bancshares Inc.

State charter, Fed member · FED · 4 branches

Q2 2026

$133.0MAssets
$109.2MLoans
$112.6MDeposits
$12.8MEquity
Loan mix
43%RE $44.9M45%C&I $46.5M12%Consumer $12.4MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $92.8M18%Noninterest $19.8MQ2 2025Q2 2026

NIM

6.87%Q2 ’246.94%Q2 ’256.64%Q2 ’26+2%-2%

Non-interest income vs. expense

2.87%Q2 ’243.22%Q2 ’253.62%Q2 ’26+17%+12%

Executive Summary

  • Earnings: ROA of 0.08%, down 107 bps year over year; NIM at 4.49%.
  • Asset quality: problem loans at 7.98% of loans (+285 bps YoY), with net charge-offs at 1.84%.
  • Capital: tier 1 leverage ratio of 10.25%, down 52 bps from a year ago.
  • Funding: loans stand at 97.02% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.08%-107 bps YoY

Net Interest Margin (YTD, annualized)

4.49%-9 bps YoY

Efficiency Ratio (YTD, annualized)

74.39%+878 bps YoY

Tier 1 Leverage Ratio

10.25%-52 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.15%0.76%-0.33%0.84%0.08%-107 bps
Return on Equity12.08%7.97%-3.49%9.12%0.81%-1,127 bps
Net Interest Margin4.59%4.55%4.32%4.10%4.49%-9 bps
Efficiency Ratio65.61%69.42%72.14%76.60%74.39%+878 bps
Non-Interest Burden2.90%3.16%3.11%3.06%3.25%+35 bps
Growth
Asset Growth (YoY)-0.26%-1.54%0.34%-0.93%-6.58%-631 bps
Loan Growth (YoY)-4.73%1.49%2.42%1.60%-5.46%-72 bps
Deposit Growth (YoY)-0.27%-2.26%5.01%19.40%8.40%+868 bps
Asset Quality
Nonperforming Loans / Loans5.13%2.76%5.42%7.80%7.98%+285 bps
Net Charge-Offs / Loans0.41%0.29%0.40%1.01%1.84%+144 bps
Allowance / Loans1.86%1.88%2.98%2.85%3.02%+116 bps
Allowance Coverage of NPLs0.4x0.7x0.5x0.4x0.4x0.0x
Capital
Tier 1 Leverage Ratio10.77%10.55%9.47%9.96%10.25%-52 bps
Total Risk-Based Capital10.77%10.55%9.47%9.96%10.25%-52 bps
Equity / Assets9.60%9.81%8.94%9.58%9.60%0 bps
Liquidity & Funding
Loans / Deposits111.24%119.07%115.26%100.06%97.02%-1,422 bps
Liquid Assets / Assets3.51%0.65%3.06%1.42%4.00%+49 bps
CRE / Total Capitaln/a162.09%161.18%165.11%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

Iuka State Bank, The

Salem, IL · Cert 11317 · Peer group: banks under $1B in assets in IL (n=149-151) · Iuka Bancshares Inc.

State charter, Fed member · FED · 4 branches

Q2 2026

$133.0MAssets
$109.2MLoans
$112.6MDeposits
$12.8MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 94% of banks under $1B in assets in IL (rank 9 of 151).
  • Widest gap: net charge-offs / loans trails 99% of banks under $1B in assets in IL (rank 148 of 149).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.08%

Rank 145 of 151

Net Interest Margin

4.49%

Rank 9 of 151

Efficiency Ratio

74.39%

Rank 116 of 151

Equity / Assets

9.60%

Rank 99 of 151

Non-interest income vs. expense

$0.5M$4.9MINCOMEEXPENSE
Unfavorable gap of $4.4M · efficiency ratio beats 24% of banks under $1B in assets in IL
Bank 74.39%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.08%0.70%1.03%1.34%Beats 4%145 / 151
Return on Equity0.81%6.74%9.34%12.94%Beats 5%144 / 151
Net Interest Margin4.49%3.02%3.43%3.83%Beats 94%9 / 151
Efficiency Ratio74.39%54.64%64.89%72.50%Beats 24%116 / 151
Asset Quality
Nonperforming Loans / Loans7.98%0.20%0.66%1.77%Beats 1%148 / 149
Net Charge-Offs / Loans0.94%0.00%0.02%0.07%Beats 1%148 / 149
Capital
Tier 1 Capital Ratio10.25%11.83%14.17%18.66%Beats 5%144 / 151
Total Risk-Based Capital Ratio10.25%12.22%14.54%19.92%Beats 5%144 / 151
Equity / Assets9.60%9.10%10.65%12.40%Beats 34%99 / 151
Liquidity & Funding
Loans / Deposits97.02%54.39%71.02%80.75%95th pctl7 / 149
Loans / Assets82.11%45.91%61.31%68.01%96th pctl6 / 151
Brokered Deposits / Depositsn/aNot reported for this institution