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Bank of Stronghurst

Stronghurst, IL · Cert 16413

State charter, non-member · FDIC · 3 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

51

Q2 2024Q2 2026peer median (50)

Asset Quality

64

Q2 2024Q2 2026peer median (50)

Profitability

11

Q2 2024Q2 2026peer median (50)

Liquidity

22

Q2 2024Q2 2026peer median

Efficiency

9

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

Bank of Stronghurst

Stronghurst, IL · Cert 16413

State charter, non-member · FDIC · 3 branches

Q2 2026

$87.6MAssets
$41.1MLoans
$77.8MDeposits
$9.6MEquity
Loan mix
86%RE $26.6M11%C&I $3.3M3%Consumer $1.0MQ3 2024Q2 2026
Deposit mix
88%Interest-bearing $68.3M12%Noninterest $9.5MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.45%, up 10 bps year over year; NIM at 2.57%.
  • Asset quality: problem loans at 1.69% of loans (+111 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 14.17%, up 31 bps from a year ago.
  • Funding: loans stand at 52.78% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.45%+10 bps YoY

Net Interest Margin (YTD, annualized)

2.57%+26 bps YoY

Efficiency Ratio (YTD, annualized)

83.73%-155 bps YoY

Tier 1 Leverage Ratio

14.17%+31 bps YoY

NIM

3.54%Q2 ’243.73%Q2 ’253.86%Q2 ’26+9%+11%

Non-interest income vs. expense

2.29%Q2 ’242.08%Q2 ’252.26%Q2 ’26-11%+9%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.03%0.11%0.32%0.35%0.40%0.38%0.44%0.45%+10 bps
Return on Equity0.35%1.20%3.35%3.68%4.02%3.73%3.98%4.06%+39 bps
Net Interest Margin2.16%2.16%2.22%2.31%2.48%2.56%2.58%2.57%+26 bps
Efficiency Ratio101.07%97.23%87.02%85.28%83.02%81.60%82.76%83.73%-155 bps
Non-Interest Burden2.18%2.10%1.91%1.95%2.03%2.06%2.11%2.13%+18 bps
Growth
Asset Growth (YoY)-2.94%-2.05%2.89%3.59%0.34%1.71%-0.62%0.57%-302 bps
Loan Growth (YoY)-1.10%-0.37%-2.64%6.05%10.10%10.57%6.65%0.57%-548 bps
Deposit Growth (YoY)-4.80%-1.02%4.80%5.58%3.00%2.67%0.10%0.13%-546 bps
Asset Quality
Nonperforming Loans / Loans0.65%1.44%0.67%0.59%1.68%1.10%1.11%1.69%+111 bps
Net Charge-Offs / Loans0.00%0.01%0.00%0.00%0.15%0.11%0.00%0.00%0 bps
Allowance / Loans1.25%1.25%1.28%1.18%1.10%1.16%1.23%1.17%-1 bps
Allowance Coverage of NPLs1.9x0.9x1.9x2.0x0.7x1.0x1.1x0.7x-1.3x
Capital
Tier 1 Leverage Ratio14.02%13.95%14.02%13.87%14.19%14.31%14.23%14.17%+31 bps
Total Risk-Based Capital14.02%13.95%14.02%13.87%14.19%14.31%14.23%14.17%+31 bps
Equity / Assets10.46%9.42%9.49%9.47%10.96%11.06%11.06%10.92%+145 bps
Liquidity & Funding
Loans / Deposits53.03%52.18%48.58%52.55%56.69%56.20%51.76%52.78%+23 bps
Liquid Assets / Assets0.63%1.30%1.37%0.29%0.25%0.28%0.80%1.35%+106 bps
CRE / Total Capitaln/an/an/an/a38.07%37.07%33.13%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

Bank of Stronghurst

Stronghurst, IL · Cert 16413 · Peer group: banks under $1B in assets in IL (n=149-151)

State charter, non-member · FDIC · 3 branches

Q2 2026

$87.6MAssets
$41.1MLoans
$77.8MDeposits
$9.6MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in IL (rank 27 of 149).
  • Widest gap: net interest margin trails 93% of banks under $1B in assets in IL (rank 141 of 151).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.44%

Rank 130 of 151

Net Interest Margin

2.57%

Rank 141 of 151

Efficiency Ratio

83.73%

Rank 139 of 151

Equity / Assets

10.92%

Rank 64 of 151

Non-interest income vs. expense

$0.1M$2.1MINCOMEEXPENSE
Unfavorable gap of $1.9M · efficiency ratio beats 9% of banks under $1B in assets in IL
Bank 83.73%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.44%0.70%1.03%1.34%Beats 14%130 / 151
Return on Equity4.05%6.74%9.34%12.94%Beats 11%134 / 151
Net Interest Margin2.57%3.02%3.43%3.83%Beats 7%141 / 151
Efficiency Ratio83.73%54.64%64.89%72.50%Beats 9%139 / 151
Asset Quality
Nonperforming Loans / Loans1.69%0.20%0.66%1.77%Beats 27%110 / 149
Net Charge-Offs / Loans0.00%0.00%0.02%0.07%Beats 100%27 / 149
Capital
Tier 1 Capital Ratio14.17%11.83%14.17%18.66%Beats 50%76 / 151
Total Risk-Based Capital Ratio14.17%12.22%14.54%19.92%Beats 46%82 / 151
Equity / Assets10.92%9.10%10.65%12.40%Beats 58%64 / 151
Liquidity & Funding
Loans / Deposits52.78%54.39%71.02%80.75%21st pctl118 / 149
Loans / Assets46.87%45.91%61.31%68.01%27th pctl110 / 151
Brokered Deposits / Depositsn/aNot reported for this institution