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State Bank of Pearl City, The

Pearl City, IL · Cert 16344 · Pearl City Bcorp Inc.

State charter, non-member · FDIC · 2 branches

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

24

Q2 2024Q2 2026peer median (50)

Asset Quality

27

Q2 2024Q2 2026peer median (50)

Profitability

35

Q2 2024Q2 2026peer median (50)

Liquidity

8

Q2 2024Q2 2026peer median

Efficiency

25

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

State Bank of Pearl City, The

Pearl City, IL · Cert 16344 · Pearl City Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$73.4MAssets
$32.6MLoans
$65.7MDeposits
$7.4MEquity
Loan mix
57%RE $18.4M2%C&I $0.8M40%Consumer $12.8MQ2 2025Q2 2026
Deposit mix
70%Interest-bearing $45.8M30%Noninterest $19.9MQ2 2025Q2 2026

NIM

4.60%Q2 ’244.99%Q2 ’254.90%Q2 ’26+34%+9%

Non-interest income vs. expense

2.03%Q2 ’242.68%Q2 ’252.75%Q2 ’26+33%+2%

Executive Summary

  • Earnings: ROA of 0.56%, up 41 bps year over year; NIM at 3.71%.
  • Asset quality: problem loans at 0.69% of loans (-63 bps YoY), with net recoveries of 0.21%.
  • Capital: tier 1 leverage ratio of 11.31%, up 39 bps from a year ago.
  • Funding: loans stand at 49.56% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.56%+41 bps YoY

Net Interest Margin (YTD, annualized)

3.71%+30 bps YoY

Efficiency Ratio (YTD, annualized)

72.50%-451 bps YoY

Tier 1 Leverage Ratio

11.31%+39 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.15%0.26%0.02%0.31%0.56%+41 bps
Return on Equity1.64%2.76%0.24%2.92%5.34%+371 bps
Net Interest Margin3.41%3.18%3.35%3.76%3.71%+30 bps
Efficiency Ratio77.01%74.63%71.41%72.66%72.50%-451 bps
Non-Interest Burden2.62%2.36%2.37%2.70%2.67%+5 bps
Growth
Asset Growth (YoY)-17.29%-4.51%-7.45%-2.43%0.80%+1,809 bps
Loan Growth (YoY)-10.12%-7.86%-5.12%-2.73%0.82%+1,094 bps
Deposit Growth (YoY)-19.51%-5.33%-9.31%-3.47%0.20%+1,971 bps
Asset Quality
Nonperforming Loans / Loans1.33%1.67%1.52%1.30%0.69%-63 bps
Net Charge-Offs / Loans1.29%1.26%2.59%1.04%-0.21%-150 bps
Allowance / Loans2.31%2.21%1.95%2.04%2.38%+7 bps
Allowance Coverage of NPLs1.7x1.3x1.3x1.6x3.4x+1.7x
Capital
Tier 1 Leverage Ratio10.92%10.16%10.26%11.12%11.31%+39 bps
Total Risk-Based Capital10.92%10.16%10.26%11.12%11.31%+39 bps
Equity / Assets9.53%9.57%10.47%10.61%10.11%+57 bps
Liquidity & Funding
Loans / Deposits49.26%47.60%51.81%53.06%49.56%+30 bps
Liquid Assets / Assets21.03%26.25%22.35%22.89%26.80%+578 bps
CRE / Total Capitaln/a31.66%43.49%61.04%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

State Bank of Pearl City, The

Pearl City, IL · Cert 16344 · Peer group: banks under $1B in assets in IL (n=149-151) · Pearl City Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$73.4MAssets
$32.6MLoans
$65.7MDeposits
$7.4MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 70% of banks under $1B in assets in IL (rank 46 of 151).
  • Widest gap: net charge-offs / loans trails 95% of banks under $1B in assets in IL (rank 142 of 149).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.53%

Rank 127 of 151

Net Interest Margin

3.71%

Rank 46 of 151

Efficiency Ratio

72.50%

Rank 114 of 151

Equity / Assets

10.11%

Rank 90 of 151

Non-interest income vs. expense

$0.1M$1.9MINCOMEEXPENSE
Unfavorable gap of $1.9M · efficiency ratio beats 25% of banks under $1B in assets in IL
Bank 72.50%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.53%0.70%1.03%1.34%Beats 16%127 / 151
Return on Equity5.29%6.74%9.34%12.94%Beats 20%121 / 151
Net Interest Margin3.71%3.02%3.43%3.83%Beats 70%46 / 151
Efficiency Ratio72.50%54.64%64.89%72.50%Beats 25%114 / 151
Asset Quality
Nonperforming Loans / Loans0.69%0.20%0.66%1.77%Beats 49%77 / 149
Net Charge-Offs / Loans0.38%0.00%0.02%0.07%Beats 5%142 / 149
Capital
Tier 1 Capital Ratio11.31%11.83%14.17%18.66%Beats 17%125 / 151
Total Risk-Based Capital Ratio11.31%12.22%14.54%19.92%Beats 15%129 / 151
Equity / Assets10.11%9.10%10.65%12.40%Beats 40%90 / 151
Liquidity & Funding
Loans / Deposits49.56%54.39%71.02%80.75%15th pctl126 / 149
Loans / Assets44.37%45.91%61.31%68.01%18th pctl124 / 151
Brokered Deposits / Depositsn/aNot reported for this institution