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Community Bank of Easton

Easton, IL · Cert 18568 · Uir Acceptance Corp.

State charter, non-member · FDIC · 1 branch

Q2 2026

$43.0MAssets
$18.8MLoans
$34.1MDeposits
$8.4MEquity
Loan mix
51%RE $6.0M32%C&I $3.8M17%Consumer $2.0MQ3 2024Q2 2026
Deposit mix
82%Interest-bearing $27.8M18%Noninterest $6.3MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.29%, down 199 bps year over year; NIM at 4.27%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 16.32%, down 1,000 bps from a year ago.
  • Funding: loans stand at 55.01% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.29%-199 bps YoY

Net Interest Margin (YTD, annualized)

4.27%+24 bps YoY

Efficiency Ratio (YTD, annualized)

79.22%+4,613 bps YoY

Tier 1 Leverage Ratio

16.32%-1,000 bps YoY

NIM

5.88%Q2 ’245.39%Q2 ’255.36%Q2 ’26-13%+6%

Non-interest income vs. expense

1.05%Q2 ’241.36%Q2 ’253.46%Q2 ’26+39%+167%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.66%2.27%2.45%2.29%-0.32%-0.11%0.52%0.29%-199 bps
Return on Equity10.21%8.70%9.45%8.66%-1.27%-0.47%2.78%1.56%-711 bps
Net Interest Margin4.69%4.57%3.93%4.03%0.40%1.32%4.19%4.27%+24 bps
Efficiency Ratio21.96%28.14%39.18%33.09%56.78%73.68%77.51%79.22%+4,613 bps
Non-Interest Burden0.93%1.20%1.50%1.28%0.23%0.98%3.29%3.43%+214 bps
Growth
Asset Growth (YoY)2.02%2.49%8.75%0.28%2.17%10.82%6.30%9.44%+917 bps
Loan Growth (YoY)-4.91%-7.91%-5.12%-17.92%-24.35%-8.85%-15.25%21.17%+3,910 bps
Deposit Growth (YoY)0.49%1.94%9.12%-1.27%10.10%21.38%14.78%19.60%+2,087 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.29%0.31%0.31%0.35%0.93%0.82%0.89%0.91%+56 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio26.61%26.77%26.02%26.32%17.69%17.09%15.67%16.32%-1,000 bps
Total Risk-Based Capital26.61%26.77%26.02%26.32%17.69%17.09%15.67%16.32%-1,000 bps
Equity / Assets26.76%26.23%25.70%27.24%20.68%18.60%18.69%19.49%-775 bps
Liquidity & Funding
Loans / Deposits64.82%58.98%56.15%54.30%44.54%44.29%41.46%55.01%+72 bps
Liquid Assets / Assets48.93%53.30%54.14%57.70%57.49%57.89%60.78%50.46%-725 bps
CRE / Total Capitaln/an/an/an/a0.00%10.95%16.53%n/an/a