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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 $0.1MQ3 2024Q2 2026
Deposit mix
56%Interest-bearing $9.2M44%Noninterest $7.3MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.35%-0.38%0.05%-0.15%0.02%0.07%0.36%0.22%+37 bps
Return on Equity-5.08%-5.55%0.64%-1.99%0.20%0.94%4.44%2.61%+460 bps
Net Interest Margin2.36%2.59%2.77%2.83%2.84%2.98%2.88%2.80%-3 bps
Efficiency Ratio113.58%115.38%98.46%105.26%99.49%97.46%87.94%92.73%-1,254 bps
Non-Interest Burden2.71%3.02%2.73%2.99%2.82%2.90%2.51%2.58%-41 bps
Growth
Asset Growth (YoY)2.68%-12.65%-3.66%-0.98%-8.57%10.32%8.37%10.73%+1,171 bps
Loan Growth (YoY)-0.84%4.44%2.96%-4.55%-2.54%-5.45%-6.78%-9.36%-481 bps
Deposit Growth (YoY)5.66%-12.17%-12.69%-2.48%-10.15%1.68%17.63%10.44%+1,292 bps
Asset Quality
Nonperforming Loans / Loans0.92%0.88%0.97%1.74%1.65%0.80%0.22%0.20%-154 bps
Net Charge-Offs / Loans0.12%0.09%0.00%0.00%0.00%-0.10%2.45%1.29%+129 bps
Allowance / Loans3.03%2.94%3.08%3.15%3.11%3.21%2.79%2.94%-21 bps
Allowance Coverage of NPLs3.3x3.3x3.2x1.8x1.9x4.0x12.6x14.9x+13.1x
Capital
Tier 1 Leverage Ratio11.56%12.92%11.77%12.56%12.06%12.80%11.35%11.51%-105 bps
Total Risk-Based Capital11.56%12.92%11.77%12.56%12.06%12.80%11.35%11.51%-105 bps
Equity / Assets7.72%6.49%8.34%8.55%9.01%7.59%8.86%8.45%-10 bps
Liquidity & Funding
Loans / Deposits38.53%38.76%47.40%41.20%41.79%36.04%37.56%33.81%-739 bps
Liquid Assets / Assets12.20%25.01%14.31%13.65%11.86%31.87%10.46%9.52%-413 bps
CRE / Total Capitaln/an/an/an/a0.00%0.00%0.00%n/an/a