PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 $29.3MQ3 2024Q2 2026
Deposit mix
61%Interest-bearing $97.8M39%Noninterest $61.9MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.89%0.91%0.89%0.90%0.63%0.90%0.94%0.96%+6 bps
Return on Equity11.04%11.13%10.04%9.80%6.80%9.47%9.14%9.22%-58 bps
Net Interest Margin3.63%3.82%3.76%3.81%3.89%3.96%4.11%4.14%+33 bps
Efficiency Ratio68.61%69.93%69.69%69.40%67.84%67.58%65.97%65.38%-402 bps
Non-Interest Burden2.20%2.41%2.42%2.43%2.41%2.45%2.47%2.47%+3 bps
Growth
Asset Growth (YoY)0.32%0.75%-0.58%-0.86%0.02%0.82%2.15%3.59%+445 bps
Loan Growth (YoY)9.64%9.78%10.13%3.67%3.55%6.51%4.73%8.28%+461 bps
Deposit Growth (YoY)-2.96%-2.53%-3.06%-0.43%2.50%1.49%3.49%2.60%+303 bps
Asset Quality
Nonperforming Loans / Loans0.21%0.26%1.26%2.37%2.47%1.95%3.01%4.43%+206 bps
Net Charge-Offs / Loans0.29%0.25%0.35%0.38%0.48%0.62%0.34%0.32%-6 bps
Allowance / Loans1.10%1.12%1.10%1.13%1.54%1.02%1.09%1.19%+6 bps
Allowance Coverage of NPLs5.2x4.3x0.9x0.5x0.6x0.5x0.4x0.3x-0.2x
Capital
Tier 1 Leverage Ratio10.39%10.63%10.75%11.06%10.87%11.35%11.45%11.55%+49 bps
Total Risk-Based Capital17.10%10.63%16.16%16.70%16.46%16.30%16.15%17.08%+37 bps
Equity / Assets8.81%8.68%9.11%9.75%9.73%10.37%10.25%10.61%+86 bps
Liquidity & Funding
Loans / Deposits71.75%72.11%74.26%72.25%72.49%75.68%75.15%76.24%+400 bps
Liquid Assets / Assets2.68%2.54%2.41%2.00%1.98%2.53%2.09%1.52%-48 bps
CRE / Total Capitaln/an/an/an/a102.13%109.08%110.76%n/an/a