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North Adams State Bank

Ursa, IL · Cert 23244

FDIC · 2 branches

Q1 2025

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: Q1 2025, the quarter ended March 31, 2025, 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=154 to 156). 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

63

Q2 2024Q1 2025peer median (50)

Asset Quality

82

Q2 2024Q1 2025peer median (50)

Profitability

55

Q2 2024Q1 2025peer median (50)

Liquidity

41

Q2 2024Q1 2025peer median

Efficiency

65

Q2 2024Q1 2025peer 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

North Adams State Bank

Ursa, IL · Cert 23244

FDIC · 2 branches

Q1 2025

$45.5MAssets
$21.9MLoans
$39.3MDeposits
$5.9MEquity
Loan mix
83%RE $14.1M9%C&I $1.5M8%Consumer $1.3MQ2 2023Q1 2025
Deposit mix
70%Interest-bearing $27.6M30%Noninterest $11.7MQ2 2023Q1 2025

Executive Summary

  • Earnings: ROA of 1.02%, up 13 bps year over year; NIM at 3.28%.
  • Asset quality: problem loans at 0.33% of loans (+22 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 14.36%, up 36 bps from a year ago.
  • Funding: loans stand at 55.85% of deposits as of Q1 2025.

Return on Assets (YTD, annualized)

1.02%+13 bps YoY

Net Interest Margin (YTD, annualized)

3.28%-22 bps YoY

Efficiency Ratio (YTD, annualized)

62.03%-717 bps YoY

Tier 1 Leverage Ratio

14.36%+36 bps YoY

NIM

3.74%Q1 ’234.61%Q1 ’244.68%Q1 ’25+9%-6%

Non-interest income vs. expense

2.66%Q1 ’232.60%Q1 ’242.16%Q1 ’25+3%-17%

Year to date, annualized, through each quarter.

MetricQ2 2023Q3 2023Q4 2023Q1 2024Q2 2024Q3 2024Q4 2024Q1 2025YoY ΔTrend
Earnings
Return on Assets0.75%1.11%0.76%0.89%0.92%0.97%1.09%1.02%+13 bps
Return on Equity5.61%8.38%5.83%7.32%7.49%7.76%8.68%7.92%+60 bps
Net Interest Margin3.18%3.48%3.53%3.50%3.47%3.37%3.27%3.28%-22 bps
Efficiency Ratio73.05%66.80%80.38%69.19%67.33%65.31%67.68%62.03%-717 bps
Non-Interest Burden2.23%2.21%2.77%2.33%2.24%2.09%2.11%1.94%-39 bps
Growth
Asset Growth (YoY)3.31%7.27%1.29%-3.30%-6.15%-6.17%0.21%5.47%+877 bps
Loan Growth (YoY)-3.54%-6.32%-7.52%-3.84%-3.19%-2.96%-2.48%-8.60%-476 bps
Deposit Growth (YoY)3.14%7.20%2.53%-2.70%-6.14%-6.76%-0.58%4.85%+754 bps
Asset Quality
Nonperforming Loans / Loans3.71%0.08%0.12%0.11%0.29%0.21%0.15%0.33%+22 bps
Net Charge-Offs / Loans-0.02%-0.07%-0.19%0.00%0.00%0.00%0.05%0.00%0 bps
Allowance / Loans1.26%1.13%1.22%1.19%1.19%1.22%1.20%1.25%+6 bps
Allowance Coverage of NPLs0.3x14.4x10.6x10.6x4.1x6.0x8.1x3.8x-6.8x
Capital
Tier 1 Leverage Ratio15.23%15.51%13.07%14.01%14.53%14.49%14.17%14.36%+36 bps
Total Risk-Based Capital15.23%15.51%13.07%14.01%14.53%14.49%14.17%14.36%+36 bps
Equity / Assets12.98%13.00%11.83%12.47%12.52%13.20%12.62%13.01%+53 bps
Liquidity & Funding
Loans / Deposits61.39%59.22%59.45%64.07%63.32%61.63%58.31%55.85%-822 bps
Liquid Assets / Assets15.21%16.51%16.11%12.88%13.05%14.28%18.67%23.98%+1,110 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/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

North Adams State Bank

Ursa, IL · Cert 23244 · Peer group: banks under $1B in assets in IL (n=154-156)

FDIC · 2 branches

Q1 2025

$45.5MAssets
$21.9MLoans
$39.3MDeposits
$5.9MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in IL (rank 61 of 154).
  • Widest gap: return on equity trails 62% of banks under $1B in assets in IL (rank 97 of 156).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.01%

Rank 61 of 156

Net Interest Margin

3.28%

Rank 55 of 156

Efficiency Ratio

62.03%

Rank 55 of 156

Equity / Assets

13.01%

Rank 24 of 156

Non-interest income vs. expense

$100K$980KINCOMEEXPENSE
Unfavorable gap of $880K · efficiency ratio beats 65% of banks under $1B in assets in IL
Bank 62.03%Peer median 67.2%Q2 2024Q1 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.01%0.61%0.93%1.19%Beats 61%61 / 156
Return on Equity7.78%5.90%8.68%12.03%Beats 38%97 / 156
Net Interest Margin3.28%2.75%3.10%3.49%Beats 65%55 / 156
Efficiency Ratio62.03%58.94%67.23%77.57%Beats 65%55 / 156
Asset Quality
Nonperforming Loans / Loans0.33%0.13%0.50%1.45%Beats 63%58 / 154
Net Charge-Offs / Loans0.00%n/a0.00%0.02%Beats 100%61 / 154
Capital
Tier 1 Capital Ratio14.36%11.30%13.66%19.18%Beats 53%73 / 156
Total Risk-Based Capital Ratio14.36%11.67%14.05%20.23%Beats 51%76 / 156
Equity / Assets13.01%8.34%9.63%11.92%Beats 85%24 / 156
Liquidity & Funding
Loans / Deposits55.85%52.66%70.99%79.51%27th pctl112 / 154
Loans / Assets48.26%46.87%60.57%67.70%27th pctl113 / 154
Brokered Deposits / Depositsn/aNot reported for this institution