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Exchange State Bank

Lanark, IL · Cert 12402 · Lanark Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in IL3

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 IL (n=149 to 151). 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

20

Q2 2024Q2 2026peer median (50)

Asset Quality

94

Q2 2024Q2 2026peer median (50)

Profitability

56

Q2 2024Q2 2026peer median (50)

Liquidity

65

Q2 2024Q2 2026peer median

Efficiency

72

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

Exchange State Bank

Lanark, IL · Cert 12402 · Lanark Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$112.7MAssets
$62.0MLoans
$98.6MDeposits
$10.5MEquity
Loan mix
61%RE $31.0M36%C&I $18.3M3%Consumer $1.7MQ3 2024Q2 2026
Deposit mix
87%Interest-bearing $86.3M13%Noninterest $12.4MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.24%, up 19 bps year over year; NIM at 3.01%.
  • Asset quality: problem loans at 0.05% of loans (+5 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.47%, down 45 bps from a year ago.
  • Funding: loans stand at 62.84% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.24%+19 bps YoY

Net Interest Margin (YTD, annualized)

3.01%+14 bps YoY

Efficiency Ratio (YTD, annualized)

55.94%-374 bps YoY

Tier 1 Leverage Ratio

11.47%-45 bps YoY

NIM

4.76%Q2 ’244.93%Q2 ’254.72%Q2 ’26+6%+5%

Non-interest income vs. expense

2.00%Q2 ’242.02%Q2 ’251.97%Q2 ’26+3%-4%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.98%0.88%1.02%1.05%1.05%0.88%1.14%1.24%+19 bps
Return on Equity11.66%10.46%11.74%12.17%11.93%9.73%12.03%13.21%+104 bps
Net Interest Margin2.61%2.69%2.91%2.88%2.82%2.89%2.97%3.01%+14 bps
Efficiency Ratio61.91%65.19%60.75%59.68%60.47%62.61%58.14%55.94%-374 bps
Non-Interest Burden1.41%1.54%1.58%1.51%1.52%1.63%1.53%1.46%-5 bps
Growth
Asset Growth (YoY)9.49%5.92%2.05%6.45%2.10%-0.77%8.04%0.01%-644 bps
Loan Growth (YoY)10.96%9.78%5.05%2.01%6.38%2.12%6.91%7.14%+513 bps
Deposit Growth (YoY)14.37%11.14%7.56%12.76%1.73%-3.47%7.92%-1.21%-1,397 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.05%+5 bps
Net Charge-Offs / Loans0.13%0.09%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.05%0.98%1.04%1.04%0.98%1.05%1.06%1.06%+2 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a19.3xn/an/a
Capital
Tier 1 Leverage Ratio11.63%11.84%11.96%11.92%11.54%11.50%11.39%11.47%-45 bps
Total Risk-Based Capital15.02%11.84%11.96%11.92%14.99%11.50%11.39%11.47%-45 bps
Equity / Assets8.94%8.45%8.98%8.55%9.36%9.75%9.19%9.32%+77 bps
Liquidity & Funding
Loans / Deposits59.51%62.91%63.53%57.94%62.23%66.56%62.94%62.84%+490 bps
Liquid Assets / Assets7.33%4.35%4.70%11.82%7.91%5.66%10.12%8.31%-350 bps
CRE / Total Capitaln/an/an/an/a36.44%42.12%45.25%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

Exchange State Bank

Lanark, IL · Cert 12402 · Peer group: banks under $1B in assets in IL (n=149-151) · Lanark Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$112.7MAssets
$62.0MLoans
$98.6MDeposits
$10.5MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in IL (rank 27 of 149).
  • Widest gap: total risk-based capital ratio trails 85% of banks under $1B in assets in IL (rank 128 of 151).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.23%

Rank 49 of 151

Net Interest Margin

3.01%

Rank 116 of 151

Efficiency Ratio

55.94%

Rank 43 of 151

Equity / Assets

9.32%

Rank 110 of 151

Non-interest income vs. expense

$0.6M$2.2MINCOMEEXPENSE
Unfavorable gap of $1.7M · efficiency ratio beats 72% of banks under $1B in assets in IL
Bank 55.94%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.23%0.70%1.03%1.34%Beats 68%49 / 151
Return on Equity13.19%6.74%9.34%12.94%Beats 78%33 / 151
Net Interest Margin3.01%3.02%3.43%3.83%Beats 23%116 / 151
Efficiency Ratio55.94%54.64%64.89%72.50%Beats 72%43 / 151
Asset Quality
Nonperforming Loans / Loans0.05%0.20%0.66%1.77%Beats 87%21 / 149
Net Charge-Offs / Loans0.00%0.00%0.02%0.07%Beats 100%27 / 149
Capital
Tier 1 Capital Ratio11.47%11.83%14.17%18.66%Beats 19%123 / 151
Total Risk-Based Capital Ratio11.47%12.22%14.54%19.92%Beats 15%128 / 151
Equity / Assets9.32%9.10%10.65%12.40%Beats 27%110 / 151
Liquidity & Funding
Loans / Deposits62.84%54.39%71.02%80.75%34th pctl98 / 149
Loans / Assets54.97%45.91%61.31%68.01%39th pctl92 / 151
Brokered Deposits / Depositsn/aNot reported for this institution