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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