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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 $12.4MQ3 2024Q2 2026
Deposit mix
82%Interest-bearing $92.8M18%Noninterest $19.8MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of -0.72%, down 219 bps year over year; NIM at 4.69%.
  • Asset quality: problem loans at 7.98% of loans (+285 bps YoY), with net charge-offs at 2.61%.
  • 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.

Return on Assets (quarter, annualized)

-0.72%-219 bps YoY

Net Interest Margin (quarter, annualized)

4.69%+6 bps YoY

Efficiency Ratio (quarter, annualized)

72.34%+901 bps YoY

Tier 1 Leverage Ratio

10.25%-52 bps YoY

NIM

6.92%Q2 ’247.00%Q2 ’256.76%Q2 ’26+7%+1%

Non-interest income vs. expense

2.86%Q2 ’243.13%Q2 ’253.66%Q2 ’26+17%+17%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.26%1.19%0.84%1.47%0.00%-3.58%0.84%-0.72%-219 bps
Return on Equity2.81%12.90%8.91%15.28%0.03%-38.22%9.12%-7.50%-2,278 bps
Net Interest Margin4.53%4.59%4.54%4.63%4.67%3.84%4.10%4.69%+6 bps
Efficiency Ratio57.45%63.42%67.91%63.33%78.56%81.35%76.60%72.34%+901 bps
Non-Interest Burden2.33%2.76%2.97%2.82%3.81%3.10%3.06%3.29%+47 bps
Growth
Asset Growth (YoY)2.64%-1.73%-1.80%-0.26%-1.54%0.34%-0.93%-6.58%-631 bps
Loan Growth (YoY)2.05%-3.86%-2.59%-4.73%1.49%2.42%1.60%-5.46%-72 bps
Deposit Growth (YoY)-7.48%-11.57%-12.95%-0.27%-2.26%5.01%19.40%8.40%+868 bps
Asset Quality
Nonperforming Loans / Loans1.10%4.18%4.99%5.13%2.76%5.42%7.80%7.98%+285 bps
Net Charge-Offs / Loans3.01%0.09%0.72%0.10%0.11%0.69%1.01%2.61%+251 bps
Allowance / Loans1.75%1.85%1.78%1.86%1.88%2.98%2.85%3.02%+116 bps
Allowance Coverage of NPLs1.6x0.4x0.4x0.4x0.7x0.5x0.4x0.4x0.0x
Capital
Tier 1 Leverage Ratio10.13%10.33%10.40%10.77%10.55%9.47%9.96%10.25%-52 bps
Total Risk-Based Capital10.13%10.33%10.40%10.77%10.55%9.47%9.96%10.25%-52 bps
Equity / Assets9.16%9.36%9.59%9.60%9.81%8.94%9.58%9.60%0 bps
Liquidity & Funding
Loans / Deposits114.67%118.17%117.60%111.24%119.07%115.26%100.06%97.02%-1,422 bps
Liquid Assets / Assets1.92%2.26%1.78%3.51%0.65%3.06%1.42%4.00%+49 bps
CRE / Total Capitaln/an/an/an/a162.09%161.18%165.11%n/an/a