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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