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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

$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