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Jersey State Bank

Jerseyville, IL · Cert 12384 · JSB Bcorp Inc.

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 in the St. Louis, MO-IL area3

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 in the St. Louis, MO-IL area (n=38 to 40). 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

57

Q2 2024Q2 2026peer median (50)

Asset Quality

70

Q2 2024Q2 2026peer median (50)

Profitability

28

Q2 2024Q2 2026peer median (50)

Liquidity

42

Q2 2024Q2 2026peer median

Efficiency

40

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

Jersey State Bank

Jerseyville, IL · Cert 12384 · JSB Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$190.1MAssets
$97.2MLoans
$167.5MDeposits
$21.0MEquity
Loan mix
85%RE $76.4M14%C&I $12.6M1%Consumer $0.9MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $135.0M19%Noninterest $32.4MQ2 2025Q2 2026

NIM

3.68%Q2 ’244.13%Q2 ’254.25%Q2 ’26+1%+5%

Non-interest income vs. expense

2.20%Q2 ’242.29%Q2 ’252.30%Q2 ’26+7%-1%

Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.1% share · #71 of 111 inst. · $0.2B of $141.7B

Executive Summary

  • Earnings: ROA of 0.83%, up 10 bps year over year; NIM at 2.82%.
  • Asset quality: problem loans at 1.18% of loans (+97 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 13.30%, down 25 bps from a year ago.
  • Funding: loans stand at 58.07% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.83%+10 bps YoY

Net Interest Margin (YTD, annualized)

2.82%+15 bps YoY

Efficiency Ratio (YTD, annualized)

69.46%-336 bps YoY

Tier 1 Leverage Ratio

13.30%-25 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.73%0.68%0.72%0.82%0.83%+10 bps
Return on Equity7.20%6.65%6.98%7.85%7.79%+59 bps
Net Interest Margin2.67%2.72%2.37%2.74%2.82%+15 bps
Efficiency Ratio72.82%73.39%71.37%69.82%69.46%-336 bps
Non-Interest Burden1.82%1.87%1.57%1.77%1.81%-1 bps
Growth
Asset Growth (YoY)8.16%6.28%12.88%7.85%4.93%-323 bps
Loan Growth (YoY)15.30%6.67%8.87%4.99%8.93%-636 bps
Deposit Growth (YoY)8.22%6.86%13.72%8.69%5.24%-298 bps
Asset Quality
Nonperforming Loans / Loans0.22%0.36%0.25%0.54%1.18%+97 bps
Net Charge-Offs / Loans-0.02%-0.01%-0.09%-0.02%-0.01%+1 bps
Allowance / Loans1.38%1.44%1.50%1.52%1.49%+12 bps
Allowance Coverage of NPLs6.3x4.0x5.9x2.8x1.3x-5.1x
Capital
Tier 1 Leverage Ratio13.54%13.89%11.88%13.06%13.30%-25 bps
Total Risk-Based Capital13.54%13.89%11.88%13.06%13.30%-25 bps
Equity / Assets10.18%10.60%10.40%10.49%11.04%+87 bps
Liquidity & Funding
Loans / Deposits56.10%54.49%53.01%53.95%58.07%+197 bps
Liquid Assets / Assets1.03%4.40%5.16%6.72%1.77%+74 bps
CRE / Total Capitaln/a114.19%114.55%108.87%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

Jersey State Bank

Jerseyville, IL · Cert 12384 · Peer group: banks under $1B in assets in the St. Louis, MO-IL area (n=38-40) · JSB Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$190.1MAssets
$97.2MLoans
$167.5MDeposits
$21.0MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the St. Louis, MO-IL area (rank 9 of 38).
  • Widest gap: net interest margin trails 87% of banks under $1B in assets in the St. Louis, MO-IL area (rank 35 of 40).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.85%

Rank 25 of 40

Net Interest Margin

2.82%

Rank 35 of 40

Efficiency Ratio

69.46%

Rank 25 of 40

Equity / Assets

11.04%

Rank 15 of 40

Non-interest income vs. expense

$1.0M$4.6MINCOMEEXPENSE
Unfavorable gap of $3.6M · efficiency ratio beats 40% of banks under $1B in assets in the St. Louis, MO-IL area
Bank 69.46%Peer median 64.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.85%0.64%1.04%1.26%Beats 38%25 / 40
Return on Equity7.69%6.25%9.97%13.41%Beats 33%27 / 40
Net Interest Margin2.82%3.09%3.22%3.62%Beats 13%35 / 40
Efficiency Ratio69.46%57.08%64.37%75.86%Beats 40%25 / 40
Asset Quality
Nonperforming Loans / Loans1.18%0.14%0.62%1.92%Beats 39%24 / 38
Net Charge-Offs / Loans0.00%0.00%0.01%0.09%Beats 100%9 / 38
Capital
Tier 1 Capital Ratio13.30%10.29%12.88%15.77%Beats 57%17 / 40
Total Risk-Based Capital Ratio13.30%10.64%13.30%17.01%Beats 50%20 / 40
Equity / Assets11.04%8.59%9.46%12.46%Beats 63%15 / 40
Liquidity & Funding
Loans / Deposits58.07%66.12%79.48%94.60%15th pctl34 / 40
Loans / Assets51.17%54.69%68.52%77.46%18th pctl33 / 40
Brokered Deposits / Depositsn/aNot reported for this institution