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Letter portraitLegal landscape

Constitution Bank, National Association

Hillsboro, IL · Cert 16276 · Peer group: banks under $1B in assets in the St. Louis, MO-IL area (n=38-40) · Country Bcorp Inc.

National charter · OCC · 14 branches

Q2 2026

$683.1MAssets
$491.6MLoans
$618.6MDeposits
$62.1MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 82% of banks under $1B in assets in the St. Louis, MO-IL area (rank 8 of 40).
  • Widest gap: total risk-based capital ratio trails 82% of banks under $1B in assets in the St. Louis, MO-IL area (rank 33 of 40).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.12%

Rank 14 of 40

Net Interest Margin

3.39%

Rank 15 of 40

Efficiency Ratio

53.57%

Rank 8 of 40

Equity / Assets

9.10%

Rank 25 of 40

Non-interest income vs. expense

$2.3M$13.8MINCOMEEXPENSE
Unfavorable gap of $11.6M · efficiency ratio beats 82% of banks under $1B in assets in the St. Louis, MO-IL area
Bank 53.57%Peer median 64.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.12%0.64%1.04%1.26%Beats 65%14 / 40
Return on Equity12.31%6.25%9.97%13.41%Beats 73%11 / 40
Net Interest Margin3.39%3.09%3.22%3.62%Beats 63%15 / 40
Efficiency Ratio53.57%57.08%64.37%75.86%Beats 82%8 / 40
Asset Quality
Nonperforming Loans / Loans0.62%0.14%0.62%1.92%Beats 50%20 / 38
Net Charge-Offs / Loans0.00%0.00%0.01%0.09%Beats 71%12 / 38
Capital
Tier 1 Capital Ratio10.17%10.29%12.88%15.77%Beats 23%31 / 40
Total Risk-Based Capital Ratio10.17%10.64%13.30%17.01%Beats 18%33 / 40
Equity / Assets9.10%8.59%9.46%12.46%Beats 38%25 / 40
Liquidity & Funding
Loans / Deposits79.48%66.12%79.48%94.60%50th pctl20 / 40
Loans / Assets71.97%54.69%68.52%77.46%63rd pctl15 / 40
Brokered Deposits / Depositsn/aNot reported for this institution