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Teutopolis State Bank

Teutopolis, IL · Cert 11708 · Teutopolis Holding Co.

State charter, Fed member · FED · 3 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=146 to 148). 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

62

Q2 2024Q2 2026peer median (50)

Asset Quality

71

Q2 2024Q2 2026peer median (50)

Profitability

76

Q2 2024Q2 2026peer median (50)

Liquidity

49

Q2 2024Q2 2026peer median

Efficiency

99

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

Teutopolis State Bank

Teutopolis, IL · Cert 11708 · Teutopolis Holding Co.

State charter, Fed member · FED · 3 branches

Q2 2026

$358.5MAssets
$183.1MLoans
$309.0MDeposits
$48.5MEquity
Loan mix
83%RE $141.6M13%C&I $21.9M4%Consumer $6.1MQ3 2024Q2 2026
Deposit mix
74%Interest-bearing $228.7M26%Noninterest $80.3MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.77%, up 17 bps year over year; NIM at 3.51%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 14.72%, up 136 bps from a year ago.
  • Funding: loans stand at 59.24% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.77%+17 bps YoY

Net Interest Margin (YTD, annualized)

3.51%+39 bps YoY

Efficiency Ratio (YTD, annualized)

38.59%+76 bps YoY

Tier 1 Leverage Ratio

14.72%+136 bps YoY

NIM

3.85%Q2 ’244.27%Q2 ’254.55%Q2 ’26+17%+12%

Non-interest income vs. expense

1.38%Q2 ’241.31%Q2 ’251.50%Q2 ’26-5%+17%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.28%1.26%1.52%1.61%1.63%1.57%1.63%1.77%+17 bps
Return on Equity11.38%11.20%13.30%13.95%13.64%12.88%12.39%13.37%-58 bps
Net Interest Margin2.76%2.69%3.09%3.12%3.22%3.22%3.44%3.51%+39 bps
Efficiency Ratio45.26%46.93%40.00%37.83%37.89%39.94%40.84%38.59%+76 bps
Non-Interest Burden1.05%1.08%1.04%0.97%1.00%1.08%1.21%1.13%+16 bps
Growth
Asset Growth (YoY)8.31%5.82%9.38%11.42%2.14%2.10%1.34%-3.25%-1,467 bps
Loan Growth (YoY)7.81%5.94%3.85%3.53%-0.43%-0.24%2.53%1.50%-203 bps
Deposit Growth (YoY)6.44%5.17%8.61%10.76%0.63%-0.07%-0.36%-5.20%-1,596 bps
Asset Quality
Nonperforming Loans / Loans0.14%0.00%0.00%0.00%0.43%0.03%0.00%0.00%0 bps
Net Charge-Offs / Loans0.03%0.02%-0.01%-0.01%-0.01%-0.01%0.09%-0.01%0 bps
Allowance / Loans1.17%1.20%1.21%1.20%1.21%1.36%1.31%1.35%+15 bps
Allowance Coverage of NPLs8.1xn/an/a1078.0x2.8x50.9xn/an/an/a
Capital
Tier 1 Leverage Ratio13.77%12.87%13.25%13.36%13.92%13.65%14.29%14.72%+136 bps
Total Risk-Based Capital13.77%12.87%13.25%13.36%13.92%13.65%14.29%14.72%+136 bps
Equity / Assets12.04%11.10%11.69%11.72%13.34%13.07%13.17%13.53%+181 bps
Liquidity & Funding
Loans / Deposits60.04%58.51%57.57%55.33%59.41%58.41%59.24%59.24%+391 bps
Liquid Assets / Assets7.60%8.23%8.34%10.25%5.27%5.57%5.96%6.08%-417 bps
CRE / Total Capitaln/an/an/an/a130.16%134.41%134.26%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

Teutopolis State Bank

Teutopolis, IL · Cert 11708 · Peer group: banks under $1B in assets in IL (n=146-148) · Teutopolis Holding Co.

State charter, Fed member · FED · 3 branches

Q2 2026

$358.5MAssets
$183.1MLoans
$309.0MDeposits
$48.5MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in IL (rank 14 of 146).
  • Widest gap: net charge-offs / loans trails 59% of banks under $1B in assets in IL (rank 88 of 146).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.76%

Rank 10 of 148

Net Interest Margin

3.51%

Rank 63 of 148

Efficiency Ratio

38.59%

Rank 2 of 148

Equity / Assets

13.53%

Rank 27 of 148

Non-interest income vs. expense

$1.3M$5.4MINCOMEEXPENSE
Unfavorable gap of $4.0M · efficiency ratio beats 99% of banks under $1B in assets in IL
Bank 38.59%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.76%0.74%1.04%1.35%Beats 93%10 / 148
Return on Equity13.04%6.82%9.34%12.94%Beats 77%34 / 148
Net Interest Margin3.51%3.04%3.45%3.85%Beats 57%63 / 148
Efficiency Ratio38.59%54.64%64.64%72.22%Beats 99%2 / 148
Asset Quality
Nonperforming Loans / Loans0.00%0.20%0.66%1.77%Beats 100%14 / 146
Net Charge-Offs / Loans0.03%0.00%0.02%0.07%Beats 41%88 / 146
Capital
Tier 1 Capital Ratio14.72%11.87%14.21%19.02%Beats 54%68 / 148
Total Risk-Based Capital Ratio14.72%12.22%14.72%19.93%Beats 50%74 / 148
Equity / Assets13.53%9.29%10.67%12.50%Beats 82%27 / 148
Liquidity & Funding
Loans / Deposits59.24%54.39%71.02%80.75%32nd pctl100 / 146
Loans / Assets51.06%46.03%61.31%68.01%34th pctl97 / 148
Brokered Deposits / Depositsn/aNot reported for this institution