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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