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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 1.35%, up 24 bps year over year; NIM at 3.12%.
  • 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 (quarter, annualized)

1.35%+24 bps YoY

Net Interest Margin (quarter, annualized)

3.12%+21 bps YoY

Efficiency Ratio (quarter, annualized)

53.92%-474 bps YoY

Tier 1 Leverage Ratio

11.47%-45 bps YoY

NIM

4.89%Q2 ’244.97%Q2 ’254.83%Q2 ’26+7%+7%

Non-interest income vs. expense

2.07%Q2 ’242.03%Q2 ’251.98%Q2 ’26-3%-4%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.95%0.58%1.02%1.11%1.04%0.33%1.14%1.35%+24 bps
Return on Equity11.13%6.67%11.74%12.67%11.64%3.47%12.03%14.53%+186 bps
Net Interest Margin2.58%2.84%2.91%2.91%3.01%3.10%2.97%3.12%+21 bps
Efficiency Ratio62.00%73.71%60.75%58.66%61.92%68.43%58.14%53.92%-474 bps
Non-Interest Burden1.39%1.88%1.58%1.48%1.68%1.96%1.53%1.42%-6 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 / Loans0.00%0.00%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