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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