PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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