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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

$73.4MAssets
$32.6MLoans
$65.7MDeposits
$7.4MEquity
Loan mix
57%RE $18.4M2%C&I $0.8M40%Consumer $12.8MQ3 2024Q2 2026
Deposit mix
70%Interest-bearing $45.8M30%Noninterest $19.9MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.38%0.17%0.14%0.15%0.26%0.02%0.31%0.56%+41 bps
Return on Equity4.81%2.17%1.57%1.64%2.76%0.24%2.92%5.34%+371 bps
Net Interest Margin2.58%2.92%3.39%3.41%3.18%3.35%3.76%3.71%+30 bps
Efficiency Ratio75.46%79.15%76.83%77.01%74.63%71.41%72.66%72.50%-451 bps
Non-Interest Burden1.93%2.30%2.59%2.62%2.36%2.37%2.70%2.67%+5 bps
Growth
Asset Growth (YoY)1.24%-3.52%-14.01%-17.29%-4.51%-7.45%-2.43%0.80%+1,809 bps
Loan Growth (YoY)-1.85%-8.12%-10.11%-10.12%-7.86%-5.12%-2.73%0.82%+1,094 bps
Deposit Growth (YoY)-0.42%-4.36%-16.02%-19.51%-5.33%-9.31%-3.47%0.20%+1,971 bps
Asset Quality
Nonperforming Loans / Loans0.58%1.12%1.00%1.33%1.67%1.52%1.30%0.69%-63 bps
Net Charge-Offs / Loans0.89%0.93%0.91%1.29%1.26%2.59%1.04%-0.21%-150 bps
Allowance / Loans1.82%2.19%2.35%2.31%2.21%1.95%2.04%2.38%+7 bps
Allowance Coverage of NPLs3.2x2.0x2.3x1.7x1.3x1.3x1.6x3.4x+1.7x
Capital
Tier 1 Leverage Ratio8.73%9.67%10.51%10.92%10.16%10.26%11.12%11.31%+39 bps
Total Risk-Based Capital8.73%9.67%10.51%10.92%10.16%10.26%11.12%11.31%+39 bps
Equity / Assets8.76%8.62%9.69%9.53%9.57%10.47%10.61%10.11%+57 bps
Liquidity & Funding
Loans / Deposits48.90%49.53%52.66%49.26%47.60%51.81%53.06%49.56%+30 bps
Liquid Assets / Assets21.60%21.45%17.97%21.03%26.25%22.35%22.89%26.80%+578 bps
CRE / Total Capitaln/an/an/an/a31.66%43.49%61.04%n/an/a