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Sainte Marie State Bank

Sainte Marie, IL · Cert 12086

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating regionally3

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 operating regionally (n=94). 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

83

Q2 2024Q2 2026peer median (50)

Asset Quality

33

Q2 2024Q2 2026peer median (50)

Profitability

8

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

2

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

Sainte Marie State Bank

Sainte Marie, IL · Cert 12086

State charter, non-member · FDIC · 2 branches

Q2 2026

$23.0MAssets
$9.1MLoans
$19.2MDeposits
$3.6MEquity
Loan mix
90%RE $7.6M7%C&I $0.6M4%Consumer $0.3MQ3 2024Q2 2026
Deposit mix
74%Interest-bearing $14.2M26%Noninterest $5.0MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of -0.74%, down 185 bps year over year; NIM at 3.39%.
  • Asset quality: problem loans at 0.31% of loans (+31 bps YoY), with net charge-offs at 0.37%.
  • Capital: tier 1 leverage ratio of 15.83%, down 481 bps from a year ago.
  • Funding: loans stand at 47.29% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

-0.74%-185 bps YoY

Net Interest Margin (YTD, annualized)

3.39%-21 bps YoY

Efficiency Ratio (YTD, annualized)

115.56%+3,037 bps YoY

Tier 1 Leverage Ratio

15.83%-481 bps YoY

NIM

4.82%Q2 ’244.65%Q2 ’254.61%Q2 ’26-2%-6%

Non-interest income vs. expense

3.22%Q2 ’243.92%Q2 ’254.20%Q2 ’26+12%+35%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.55%0.91%2.19%1.11%1.41%2.03%0.91%-0.74%-185 bps
Return on Equity7.16%4.17%9.95%5.36%6.91%10.11%4.93%-4.25%-961 bps
Net Interest Margin3.97%3.86%3.73%3.61%3.32%3.31%3.58%3.39%-21 bps
Efficiency Ratio69.57%81.16%60.00%85.19%74.89%72.65%92.62%115.56%+3,037 bps
Non-Interest Burden2.51%3.03%1.59%2.92%2.04%1.80%3.22%3.96%+104 bps
Growth
Asset Growth (YoY)1.46%-0.41%1.39%23.51%21.21%30.73%33.35%25.83%+233 bps
Loan Growth (YoY)-0.92%-2.63%1.55%0.53%17.94%40.39%49.55%59.53%+5,900 bps
Deposit Growth (YoY)-0.53%-1.49%0.21%26.59%24.42%34.82%38.78%31.42%+483 bps
Asset Quality
Nonperforming Loans / Loans0.00%1.26%0.00%0.00%0.00%0.00%0.33%0.31%+31 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%1.36%0.37%+37 bps
Allowance / Loans1.67%1.65%1.65%1.65%1.42%1.44%1.14%1.60%-5 bps
Allowance Coverage of NPLsn/a1.3xn/an/an/an/a3.5x5.2xn/a
Capital
Tier 1 Leverage Ratio22.60%22.24%22.11%20.64%19.09%19.50%18.45%15.83%-481 bps
Total Risk-Based Capital29.96%22.24%22.11%20.64%19.09%19.50%18.45%15.83%-481 bps
Equity / Assets22.83%22.45%21.52%18.46%19.64%19.30%17.66%15.53%-293 bps
Liquidity & Funding
Loans / Deposits50.17%51.11%46.95%38.96%47.56%53.22%50.59%47.29%+833 bps
Liquid Assets / Assets32.07%35.65%36.96%44.82%27.92%28.03%37.19%38.40%-642 bps
CRE / Total Capitaln/an/an/an/a26.14%36.40%37.88%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

Sainte Marie State Bank

Sainte Marie, IL · Cert 12086 · Peer group: banks under $1B in assets operating regionally (n=94)

State charter, non-member · FDIC · 2 branches

Q2 2026

$23.0MAssets
$9.1MLoans
$19.2MDeposits
$3.6MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 96% of banks under $1B in assets operating regionally (rank 4 of 94).
  • Widest gap: return on equity trails 99% of banks under $1B in assets operating regionally (rank 93 of 94).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

-0.67%

Rank 93 of 94

Net Interest Margin

3.39%

Rank 73 of 94

Efficiency Ratio

115.56%

Rank 93 of 94

Equity / Assets

15.53%

Rank 4 of 94

Non-interest income vs. expense

$54K$936KINCOMEEXPENSE
Unfavorable gap of $882K · efficiency ratio beats 2% of banks under $1B in assets operating regionally
Bank 115.56%Peer median 62.4%Q1 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets-0.67%0.82%1.19%1.46%Beats 1%93 / 94
Return on Equity-4.32%7.85%11.84%14.03%Beats 1%93 / 94
Net Interest Margin3.39%3.42%3.81%4.18%Beats 22%73 / 94
Efficiency Ratio115.56%55.99%62.41%73.02%Beats 2%93 / 94
Asset Quality
Nonperforming Loans / Loans0.31%0.19%0.47%1.14%Beats 60%39 / 94
Net Charge-Offs / Loans0.31%0.00%0.02%0.05%Beats 6%89 / 94
Capital
Tier 1 Capital Ratio15.83%10.28%11.95%15.07%Beats 80%19 / 94
Total Risk-Based Capital Ratio15.83%10.31%12.59%15.88%Beats 73%25 / 94
Equity / Assets15.53%8.98%10.21%11.41%Beats 96%4 / 94
Liquidity & Funding
Loans / Deposits47.29%72.62%84.44%94.55%2nd pctl92 / 94
Loans / Assets39.53%62.50%72.84%78.99%2nd pctl92 / 94
Brokered Deposits / Depositsn/aNot reported for this institution