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State Bank of Toulon

Toulon, IL · Cert 12386 · Stark County Bcorp Inc.

State charter, non-member · FDIC · 3 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 in a single state3

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 in a single state (n=748 to 752). 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

37

Q2 2024Q2 2026peer median (50)

Asset Quality

55

Q2 2024Q2 2026peer median (50)

Profitability

46

Q2 2024Q2 2026peer median (50)

Liquidity

87

Q2 2024Q2 2026peer median

Efficiency

71

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 2026-10-10

State Bank of Toulon

Toulon, IL · Cert 12386 · Stark County Bcorp Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$343.4MAssets
$222.6MLoans
$298.6MDeposits
$33.4MEquity
Loan mix
71%RE $114.6M27%C&I $43.4M2%Consumer $2.9MQ2 2025Q2 2026
Deposit mix
93%Interest-bearing $277.5M7%Noninterest $21.2MQ2 2025Q2 2026

NIM

4.44%Q2 ’244.67%Q2 ’254.82%Q2 ’26+11%+10%

Non-interest income vs. expense

1.97%Q2 ’241.90%Q2 ’251.98%Q2 ’26-4%+7%

Market Position · Peoria, IL · 2026 SOD (annual) · 1.9% share · #9 of 35 inst. · $0.2B of $10.0B

57.9% Stark
6.0% Henry

Executive Summary

  • Earnings: ROA of 1.14%, up 11 bps year over year; NIM at 3.25%.
  • Asset quality: problem loans at 0.13% of loans (+6 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 10.46%, up 17 bps from a year ago.
  • Funding: loans stand at 74.55% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.14%+11 bps YoY

Net Interest Margin (YTD, annualized)

3.25%+30 bps YoY

Efficiency Ratio (YTD, annualized)

57.22%-222 bps YoY

Tier 1 Leverage Ratio

10.46%+17 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.03%0.92%0.87%1.12%1.14%+11 bps
Return on Equity11.66%10.18%9.44%11.31%11.58%-8 bps
Net Interest Margin2.95%3.01%3.03%3.21%3.25%+30 bps
Efficiency Ratio59.44%60.05%63.64%58.88%57.22%-222 bps
Non-Interest Burden1.62%1.68%1.82%1.79%1.74%+11 bps
Growth
Asset Growth (YoY)1.45%-1.26%3.63%4.24%6.39%+494 bps
Loan Growth (YoY)5.00%5.32%5.19%6.90%3.51%-150 bps
Deposit Growth (YoY)0.84%-3.06%1.88%3.64%5.36%+453 bps
Asset Quality
Nonperforming Loans / Loans0.07%0.10%0.16%0.16%0.13%+6 bps
Net Charge-Offs / Loans0.02%-0.04%-0.03%0.00%0.05%+3 bps
Allowance / Loans0.83%0.87%0.86%0.84%0.86%+3 bps
Allowance Coverage of NPLs12.0x8.7x5.4x5.2x6.5x-5.5x
Capital
Tier 1 Leverage Ratio10.29%10.37%10.33%10.36%10.46%+17 bps
Total Risk-Based Capital13.07%13.19%12.98%13.01%13.15%+8 bps
Equity / Assets8.99%9.87%9.90%9.89%9.73%+74 bps
Liquidity & Funding
Loans / Deposits75.89%77.62%77.15%77.67%74.55%-134 bps
Liquid Assets / Assets0.47%0.19%0.45%2.56%3.84%+337 bps
CRE / Total Capitaln/a82.74%85.09%86.46%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 2026-10-10

State Bank of Toulon

Toulon, IL · Cert 12386 · Peer group: banks under $1B in assets operating in a single state (n=748-752) · Stark County Bcorp Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$343.4MAssets
$222.6MLoans
$298.6MDeposits
$33.4MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 72% of banks under $1B in assets operating in a single state (rank 209 of 748).
  • Widest gap: net interest margin trails 72% of banks under $1B in assets operating in a single state (rank 544 of 752).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.11%

Rank 356 of 752

Net Interest Margin

3.25%

Rank 544 of 752

Efficiency Ratio

57.22%

Rank 217 of 752

Equity / Assets

9.73%

Rank 479 of 752

Non-interest income vs. expense

$0.8M$6.8MINCOMEEXPENSE
Unfavorable gap of $5.9M · efficiency ratio beats 71% of banks under $1B in assets operating in a single state
Bank 57.22%Peer median 64.5%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.11%0.72%1.07%1.45%Beats 53%356 / 752
Return on Equity11.39%6.78%10.58%13.65%Beats 58%314 / 752
Net Interest Margin3.25%3.18%3.69%4.17%Beats 28%544 / 752
Efficiency Ratio57.22%55.75%64.49%75.47%Beats 71%217 / 752
Asset Quality
Nonperforming Loans / Loans0.13%0.09%0.42%1.03%Beats 72%209 / 748
Net Charge-Offs / Loans0.03%0.00%0.01%0.05%Beats 37%472 / 748
Capital
Tier 1 Capital Ratio12.45%11.55%13.75%17.60%Beats 36%481 / 752
Total Risk-Based Capital Ratio13.15%11.70%14.33%18.47%Beats 39%460 / 752
Equity / Assets9.73%8.93%10.56%13.13%Beats 36%479 / 752
Liquidity & Funding
Loans / Deposits74.55%62.23%78.64%91.26%43rd pctl432 / 752
Loans / Assets64.83%54.61%67.41%76.47%44th pctl423 / 752
Brokered Deposits / Depositsn/aNot reported for this institution