PackageTrendsPeer
Letter portraitLegal landscape

Bankorion

Orion, IL · Cert 11739 · Orion Bcorp Inc.

State charter, non-member · FDIC · 8 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

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 (n=581 to 629). 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

10

Q2 2024Q2 2026peer median (50)

Asset Quality

63

Q2 2024Q2 2026peer median (50)

Profitability

43

Q2 2024Q2 2026peer median (50)

Liquidity

87

Q2 2024Q2 2026peer median

Efficiency

61

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

Bankorion

Orion, IL · Cert 11739 · Orion Bcorp Inc.

State charter, non-member · FDIC · 1 affiliate bank · 8 branches (11 in holding)

Q2 2026

$688.1MAssets
$447.4MLoans
$582.9MDeposits
$57.7MEquity
Loan mix
84%RE $352.4M13%C&I $53.3M3%Consumer $13.0MQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $491.5M16%Noninterest $91.4MQ2 2025Q2 2026

NIM

3.93%Q2 ’244.38%Q2 ’254.50%Q2 ’26+27%+7%

Non-interest income vs. expense

2.08%Q2 ’242.19%Q2 ’252.25%Q2 ’26+6%+4%

Market Position · Davenport-Moline-Rock Island, IA-IL · 2026 SOD (annual) · 5.5% share · #5 of 29 inst. · $0.6B of $10.5B

20.5% Henry
3.4% Rock Island
18.1% Mercer
0.5% Scott

Executive Summary

  • Earnings: ROA of 0.91%, up 7 bps year over year; NIM at 3.14%.
  • Asset quality: problem loans at 1.18% of loans (+106 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 9.73%, down 67 bps from a year ago.
  • Funding: loans stand at 76.75% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.91%+7 bps YoY

Net Interest Margin (YTD, annualized)

3.14%+19 bps YoY

Efficiency Ratio (YTD, annualized)

64.10%-176 bps YoY

Tier 1 Leverage Ratio

9.73%-67 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.84%0.86%0.90%0.88%0.91%+7 bps
Return on Equity10.26%10.59%11.10%10.56%10.83%+57 bps
Net Interest Margin2.94%2.94%2.99%3.14%3.14%+19 bps
Efficiency Ratio65.86%65.05%63.97%64.54%64.10%-176 bps
Non-Interest Burden1.79%1.76%1.75%1.87%1.85%+7 bps
Growth
Asset Growth (YoY)4.51%6.01%5.60%3.40%1.30%-321 bps
Loan Growth (YoY)12.17%10.86%11.44%6.25%4.81%-736 bps
Deposit Growth (YoY)5.33%6.42%2.91%3.23%1.71%-363 bps
Asset Quality
Nonperforming Loans / Loans0.12%0.17%0.72%0.76%1.18%+106 bps
Net Charge-Offs / Loans0.02%0.01%0.00%-0.01%-0.01%-2 bps
Allowance / Loans1.01%1.04%1.04%1.08%1.10%+9 bps
Allowance Coverage of NPLs8.6x6.0x1.4x1.4x0.9x-7.7x
Capital
Tier 1 Leverage Ratio10.40%9.43%9.62%9.79%9.73%-67 bps
Total Risk-Based Capital10.40%9.43%9.62%9.79%9.73%-67 bps
Equity / Assets8.18%7.86%8.29%8.41%8.39%+21 bps
Liquidity & Funding
Loans / Deposits74.47%74.52%78.68%77.04%76.75%+228 bps
Liquid Assets / Assets4.06%4.96%2.19%4.04%3.71%-35 bps
CRE / Total Capitaln/a239%249%244%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

Bankorion

Orion, IL · Cert 11739 · Peer group: banks under $1B in assets (n=581-629) · Orion Bcorp Inc.

State charter, non-member · FDIC · 1 affiliate bank · 8 branches (11 in holding)

Q2 2026

$688.1MAssets
$447.4MLoans
$582.9MDeposits
$57.7MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
  • Widest gap: total risk-based capital ratio trails 92% of banks under $1B in assets (rank 578 of 629).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.90%

Rank 370 of 629

Net Interest Margin

3.14%

Rank 439 of 629

Efficiency Ratio

64.10%

Rank 245 of 629

Equity / Assets

8.39%

Rank 533 of 629

Non-interest income vs. expense

$2.8M$15.7MINCOMEEXPENSE
Unfavorable gap of $12.9M · efficiency ratio beats 61% of banks under $1B in assets
Bank 64.10%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.90%0.60%1.01%1.45%Beats 41%370 / 629
Return on Equity10.71%5.38%9.30%13.28%Beats 58%262 / 629
Net Interest Margin3.14%3.03%3.54%4.05%Beats 30%439 / 629
Efficiency Ratio64.10%58.35%67.79%79.08%Beats 61%245 / 629
Asset Quality
Nonperforming Loans / Loans1.18%0.09%0.46%1.20%Beats 26%433 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio9.73%11.24%13.84%18.77%Beats 8%576 / 629
Total Risk-Based Capital Ratio9.73%11.58%14.43%19.66%Beats 8%578 / 629
Equity / Assets8.39%9.09%10.65%13.80%Beats 15%533 / 629
Liquidity & Funding
Loans / Deposits76.75%67.24%80.90%93.48%43rd pctl336 / 594
Loans / Assets65.02%53.31%67.71%78.15%44th pctl352 / 629
Brokered Deposits / Depositsn/aNot reported for this institution