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Silex Banking Company

Silex, MO · Cert 14178 · Silex Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$98.2MAssets
$62.0MLoans
$84.4MDeposits
$13.6MEquity
Loan mix
96%RE $56.4M3%C&I $1.7M1%Consumer $0.6MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $68.5M19%Noninterest $15.9MQ2 2025Q2 2026

NIM

4.47%Q2 ’244.65%Q2 ’254.81%Q2 ’26+2%+9%

Non-interest income vs. expense

2.01%Q2 ’242.14%Q2 ’252.32%Q2 ’26+8%+10%

Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.1% share · #79 of 111 inst. · $0.1B of $141.7B

Executive Summary

  • Earnings: ROA of 1.11%, up 51 bps year over year; NIM at 3.49%.
  • Asset quality: problem loans at 0.91% of loans (+91 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 14.67%, up 35 bps from a year ago.
  • Funding: loans stand at 73.44% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.11%+51 bps YoY

Net Interest Margin (quarter, annualized)

3.49%+30 bps YoY

Efficiency Ratio (quarter, annualized)

65.32%-14 bps YoY

Tier 1 Leverage Ratio

14.67%+35 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.60%1.67%1.31%0.98%1.11%+51 bps
Return on Equity4.44%12.08%9.21%6.93%7.99%+356 bps
Net Interest Margin3.19%3.42%3.42%3.42%3.49%+30 bps
Efficiency Ratio65.46%45.15%63.54%68.61%65.32%-14 bps
Non-Interest Burden2.06%1.51%2.15%2.32%2.26%+20 bps
Growth
Asset Growth (YoY)-0.48%-0.78%-1.12%2.96%4.73%+521 bps
Loan Growth (YoY)19.16%16.61%14.95%12.23%2.91%-1,625 bps
Deposit Growth (YoY)-0.91%-1.33%-2.44%2.17%4.29%+520 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.91%+91 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.02%1.01%0.89%0.87%0.89%-12 bps
Allowance Coverage of NPLsn/an/an/an/a1.0xn/a
Capital
Tier 1 Leverage Ratio14.32%14.76%13.19%15.00%14.67%+35 bps
Total Risk-Based Capital14.32%14.76%13.19%15.00%14.67%+35 bps
Equity / Assets13.51%14.18%14.38%13.89%13.90%+38 bps
Liquidity & Funding
Loans / Deposits74.43%75.95%78.95%75.55%73.44%-99 bps
Liquid Assets / Assets19.16%17.73%19.28%20.77%20.32%+117 bps
CRE / Total Capitaln/a79.72%90.35%97.43%n/an/a