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First State Bank Shannon-Polo

Shannon, IL · Cert 1781 · Shannon Bcorp Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$190.5MAssets
$109.2MLoans
$167.1MDeposits
$16.1MEquity
Loan mix
80%RE $79.6M16%C&I $16.2M3%Consumer $3.4MQ2 2025Q2 2026
Deposit mix
86%Interest-bearing $143.1M14%Noninterest $24.0MQ2 2025Q2 2026

NIM

3.94%Q2 ’244.04%Q2 ’253.98%Q2 ’26+10%+3%

Non-interest income vs. expense

2.56%Q2 ’242.62%Q2 ’252.81%Q2 ’26-7%+7%

Executive Summary

  • Earnings: ROA of 0.50%, down 42 bps year over year; NIM at 2.78%.
  • Asset quality: problem loans at 2.64% of loans (+55 bps YoY), with net charge-offs at 1.08%.
  • Capital: tier 1 leverage ratio of 10.31%, up 73 bps from a year ago.
  • Funding: loans stand at 65.36% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.50%-42 bps YoY

Net Interest Margin (quarter, annualized)

2.78%+8 bps YoY

Efficiency Ratio (quarter, annualized)

72.12%+209 bps YoY

Tier 1 Leverage Ratio

10.31%+73 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.92%0.95%0.95%1.10%0.50%-42 bps
Return on Equity13.36%12.76%11.86%13.34%5.94%-742 bps
Net Interest Margin2.71%2.80%2.87%3.10%2.78%+8 bps
Efficiency Ratio70.03%70.02%68.94%66.67%72.12%+209 bps
Non-Interest Burden1.56%1.63%1.63%1.69%1.66%+11 bps
Growth
Asset Growth (YoY)-2.71%-2.24%1.98%-0.32%1.10%+381 bps
Loan Growth (YoY)-6.63%-1.25%2.60%11.62%9.07%+1,570 bps
Deposit Growth (YoY)-2.63%-2.52%0.10%-1.68%-0.83%+180 bps
Asset Quality
Nonperforming Loans / Loans2.09%1.23%1.18%3.51%2.64%+55 bps
Net Charge-Offs / Loans0.05%0.01%0.03%-0.01%1.08%+103 bps
Allowance / Loans1.35%1.29%1.23%1.21%1.17%-19 bps
Allowance Coverage of NPLs0.6x1.0x1.0x0.3x0.4x-0.2x
Capital
Tier 1 Leverage Ratio9.58%9.84%9.71%10.03%10.31%+73 bps
Total Risk-Based Capital14.75%14.80%14.42%14.50%14.69%-6 bps
Equity / Assets6.96%7.97%8.08%8.42%8.44%+148 bps
Liquidity & Funding
Loans / Deposits59.43%62.05%63.27%65.94%65.36%+593 bps
Liquid Assets / Assets10.83%8.76%8.33%6.58%7.37%-345 bps
CRE / Total Capitaln/a98.44%96.29%100.73%n/an/a