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Hartsburg State Bank

Hartsburg, IL · Cert 11716

State charter, Fed member · FED · 1 branch

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

19

Q2 2024Q2 2026peer median (50)

Asset Quality

39

Q2 2024Q2 2026peer median (50)

Profitability

9

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

4

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

Hartsburg State Bank

Hartsburg, IL · Cert 11716

State charter, Fed member · FED · 1 branch

Q2 2026

$18.1MAssets
$5.6MLoans
$16.5MDeposits
$1.5MEquity
Loan mix
61%RE $1.8M36%C&I $1.0M3%Consumer $0.1MQ2 2025Q2 2026
Deposit mix
56%Interest-bearing $9.2M44%Noninterest $7.3MQ2 2025Q2 2026

NIM

3.26%Q2 ’243.45%Q2 ’253.21%Q2 ’26+23%-1%

Non-interest income vs. expense

3.14%Q2 ’243.17%Q2 ’252.81%Q2 ’26+1%-14%

Executive Summary

  • Earnings: ROA of 0.22%, up 37 bps year over year; NIM at 2.80%.
  • Asset quality: problem loans at 0.20% of loans (-154 bps YoY), with net charge-offs at 1.29%.
  • Capital: tier 1 leverage ratio of 11.51%, down 105 bps from a year ago.
  • Funding: loans stand at 33.81% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.22%+37 bps YoY

Net Interest Margin (YTD, annualized)

2.80%-3 bps YoY

Efficiency Ratio (YTD, annualized)

92.73%-1,254 bps YoY

Tier 1 Leverage Ratio

11.51%-105 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.15%0.02%0.07%0.36%0.22%+37 bps
Return on Equity-1.99%0.20%0.94%4.44%2.61%+460 bps
Net Interest Margin2.83%2.84%2.98%2.88%2.80%-3 bps
Efficiency Ratio105.26%99.49%97.46%87.94%92.73%-1,254 bps
Non-Interest Burden2.99%2.82%2.90%2.51%2.58%-41 bps
Growth
Asset Growth (YoY)-0.98%-8.57%10.32%8.37%10.73%+1,171 bps
Loan Growth (YoY)-4.55%-2.54%-5.45%-6.78%-9.36%-481 bps
Deposit Growth (YoY)-2.48%-10.15%1.68%17.63%10.44%+1,292 bps
Asset Quality
Nonperforming Loans / Loans1.74%1.65%0.80%0.22%0.20%-154 bps
Net Charge-Offs / Loans0.00%0.00%-0.10%2.45%1.29%+129 bps
Allowance / Loans3.15%3.11%3.21%2.79%2.94%-21 bps
Allowance Coverage of NPLs1.8x1.9x4.0x12.6x14.9x+13.1x
Capital
Tier 1 Leverage Ratio12.56%12.06%12.80%11.35%11.51%-105 bps
Total Risk-Based Capital12.56%12.06%12.80%11.35%11.51%-105 bps
Equity / Assets8.55%9.01%7.59%8.86%8.45%-10 bps
Liquidity & Funding
Loans / Deposits41.20%41.79%36.04%37.56%33.81%-739 bps
Liquid Assets / Assets13.65%11.86%31.87%10.46%9.52%-413 bps
CRE / Total Capitaln/a0.00%0.00%0.00%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

Hartsburg State Bank

Hartsburg, IL · Cert 11716 · Peer group: banks under $1B in assets in IL (n=149-151)

State charter, Fed member · FED · 1 branch

Q2 2026

$18.1MAssets
$5.6MLoans
$16.5MDeposits
$1.5MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 74% of banks under $1B in assets in IL (rank 39 of 149).
  • Widest gap: net charge-offs / loans trails 97% of banks under $1B in assets in IL (rank 145 of 149).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.22%

Rank 143 of 151

Net Interest Margin

2.80%

Rank 130 of 151

Efficiency Ratio

92.73%

Rank 146 of 151

Equity / Assets

8.45%

Rank 121 of 151

Non-interest income vs. expense

$42K$510KINCOMEEXPENSE
Unfavorable gap of $468K · efficiency ratio beats 4% of banks under $1B in assets in IL
Bank 92.73%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.22%0.70%1.03%1.34%Beats 5%143 / 151
Return on Equity2.61%6.74%9.34%12.94%Beats 7%141 / 151
Net Interest Margin2.80%3.02%3.43%3.83%Beats 14%130 / 151
Efficiency Ratio92.73%54.64%64.89%72.50%Beats 4%146 / 151
Asset Quality
Nonperforming Loans / Loans0.20%0.20%0.66%1.77%Beats 74%39 / 149
Net Charge-Offs / Loans0.64%0.00%0.02%0.07%Beats 3%145 / 149
Capital
Tier 1 Capital Ratio11.51%11.83%14.17%18.66%Beats 20%121 / 151
Total Risk-Based Capital Ratio11.51%12.22%14.54%19.92%Beats 17%126 / 151
Equity / Assets8.45%9.10%10.65%12.40%Beats 20%121 / 151
Liquidity & Funding
Loans / Deposits33.81%54.39%71.02%80.75%3rd pctl145 / 149
Loans / Assets30.82%45.91%61.31%68.01%5th pctl143 / 151
Brokered Deposits / Depositsn/aNot reported for this institution