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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