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State Bank of Whittington

Benton, IL · Cert 19689 · Whittington Bcorp Inc.

State charter, non-member · FDIC · 5 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

59

Q2 2024Q2 2026peer median (50)

Asset Quality

9

Q2 2024Q2 2026peer median (50)

Profitability

58

Q2 2024Q2 2026peer median (50)

Liquidity

72

Q2 2024Q2 2026peer median

Efficiency

47

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

State Bank of Whittington

Benton, IL · Cert 19689 · Whittington Bcorp Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$180.1MAssets
$121.8MLoans
$159.7MDeposits
$19.1MEquity
Loan mix
52%RE $61.7M24%C&I $28.6M24%Consumer $29.3MQ2 2025Q2 2026
Deposit mix
61%Interest-bearing $97.8M39%Noninterest $61.9MQ2 2025Q2 2026

NIM

4.31%Q2 ’244.75%Q2 ’255.02%Q2 ’26+12%+9%

Non-interest income vs. expense

2.94%Q2 ’243.13%Q2 ’253.16%Q2 ’26+24%+1%

Executive Summary

  • Earnings: ROA of 0.96%, up 6 bps year over year; NIM at 4.14%.
  • Asset quality: problem loans at 4.43% of loans (+206 bps YoY), with net charge-offs at 0.32%.
  • Capital: tier 1 leverage ratio of 11.55%, up 49 bps from a year ago.
  • Funding: loans stand at 76.24% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.96%+6 bps YoY

Net Interest Margin (YTD, annualized)

4.14%+33 bps YoY

Efficiency Ratio (YTD, annualized)

65.38%-402 bps YoY

Tier 1 Leverage Ratio

11.55%+49 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.90%0.63%0.90%0.94%0.96%+6 bps
Return on Equity9.80%6.80%9.47%9.14%9.22%-58 bps
Net Interest Margin3.81%3.89%3.96%4.11%4.14%+33 bps
Efficiency Ratio69.40%67.84%67.58%65.97%65.38%-402 bps
Non-Interest Burden2.43%2.41%2.45%2.47%2.47%+3 bps
Growth
Asset Growth (YoY)-0.86%0.02%0.82%2.15%3.59%+445 bps
Loan Growth (YoY)3.67%3.55%6.51%4.73%8.28%+461 bps
Deposit Growth (YoY)-0.43%2.50%1.49%3.49%2.60%+303 bps
Asset Quality
Nonperforming Loans / Loans2.37%2.47%1.95%3.01%4.43%+206 bps
Net Charge-Offs / Loans0.38%0.48%0.62%0.34%0.32%-6 bps
Allowance / Loans1.13%1.54%1.02%1.09%1.19%+6 bps
Allowance Coverage of NPLs0.5x0.6x0.5x0.4x0.3x-0.2x
Capital
Tier 1 Leverage Ratio11.06%10.87%11.35%11.45%11.55%+49 bps
Total Risk-Based Capital16.70%16.46%16.30%16.15%17.08%+37 bps
Equity / Assets9.75%9.73%10.37%10.25%10.61%+86 bps
Liquidity & Funding
Loans / Deposits72.25%72.49%75.68%75.15%76.24%+400 bps
Liquid Assets / Assets2.00%1.98%2.53%2.09%1.52%-48 bps
CRE / Total Capitaln/a102.13%109.08%110.76%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

State Bank of Whittington

Benton, IL · Cert 19689 · Peer group: banks under $1B in assets in IL (n=149-151) · Whittington Bcorp Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$180.1MAssets
$121.8MLoans
$159.7MDeposits
$19.1MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 86% of banks under $1B in assets in IL (rank 21 of 151).
  • Widest gap: nonperforming loans / loans trails 94% of banks under $1B in assets in IL (rank 141 of 149).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.95%

Rank 89 of 151

Net Interest Margin

4.14%

Rank 21 of 151

Efficiency Ratio

65.38%

Rank 81 of 151

Equity / Assets

10.61%

Rank 78 of 151

Non-interest income vs. expense

$1.3M$5.8MINCOMEEXPENSE
Unfavorable gap of $4.5M · efficiency ratio beats 47% of banks under $1B in assets in IL
Bank 65.38%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.95%0.70%1.03%1.34%Beats 41%89 / 151
Return on Equity8.99%6.74%9.34%12.94%Beats 48%79 / 151
Net Interest Margin4.14%3.02%3.43%3.83%Beats 86%21 / 151
Efficiency Ratio65.38%54.64%64.89%72.50%Beats 47%81 / 151
Asset Quality
Nonperforming Loans / Loans4.43%0.20%0.66%1.77%Beats 6%141 / 149
Net Charge-Offs / Loans0.23%0.00%0.02%0.07%Beats 11%133 / 149
Capital
Tier 1 Capital Ratio15.98%11.83%14.17%18.66%Beats 64%54 / 151
Total Risk-Based Capital Ratio17.08%12.22%14.54%19.92%Beats 66%52 / 151
Equity / Assets10.61%9.10%10.65%12.40%Beats 48%78 / 151
Liquidity & Funding
Loans / Deposits76.24%54.39%71.02%80.75%63rd pctl55 / 149
Loans / Assets67.60%45.91%61.31%68.01%73rd pctl41 / 151
Brokered Deposits / Depositsn/aNot reported for this institution