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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 -2.23%, down 240 bps year over year; NIM at 3.57%.
  • Asset quality: problem loans at 0.31% of loans (+31 bps YoY), with net recoveries of 0.53%.
  • 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 (quarter, annualized)

-2.23%-240 bps YoY

Net Interest Margin (quarter, annualized)

3.57%-15 bps YoY

Efficiency Ratio (quarter, annualized)

150.31%+3,528 bps YoY

Tier 1 Leverage Ratio

15.83%-481 bps YoY

NIM

4.78%Q2 ’244.80%Q2 ’254.83%Q2 ’26+3%-4%

Non-interest income vs. expense

3.31%Q2 ’244.85%Q2 ’254.34%Q2 ’26+72%+15%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.56%-1.05%2.19%0.17%11.89%3.74%0.91%-2.23%-240 bps
Return on Equity11.52%-4.63%9.95%0.83%9.95%19.24%4.93%-13.51%-1,434 bps
Net Interest Margin4.47%3.65%3.73%3.73%3.45%3.54%3.58%3.57%-15 bps
Efficiency Ratio60.48%130.65%60.00%115.03%62.54%68.05%92.62%150.31%+3,528 bps
Non-Interest Burden2.22%4.67%1.59%4.36%0.86%1.22%3.22%5.03%+67 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%-0.53%-53 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