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Eureka Savings Bank

La Salle, IL · Cert 28401

SI · 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

96

Q2 2024Q2 2026peer median (50)

Asset Quality

38

Q2 2024Q2 2026peer median (50)

Profitability

27

Q2 2024Q2 2026peer median (50)

Liquidity

26

Q2 2024Q2 2026peer median

Efficiency

70

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

Eureka Savings Bank

La Salle, IL · Cert 28401

SI · FDIC · 5 branches

Q2 2026

$435.8MAssets
$270.6MLoans
$319.5MDeposits
$90.5MEquity
Loan mix
87%RE $229.0M12%C&I $31.7M1%Consumer $2.3MQ2 2025Q2 2026
Deposit mix
91%Interest-bearing $289.6M9%Noninterest $29.9MQ2 2025Q2 2026

NIM

3.86%Q2 ’244.15%Q2 ’254.40%Q2 ’26+6%+11%

Non-interest income vs. expense

1.89%Q2 ’241.89%Q2 ’251.92%Q2 ’26+5%0%

Market Position · Peoria, IL · 2026 SOD (annual) · 0.4% share · #27 of 35 inst. · $0.0B of $10.0B

6.8% La Salle
11.2% Marshall

Executive Summary

  • Earnings: ROA of 0.89%, down 11 bps year over year; NIM at 3.15%.
  • Asset quality: problem loans at 3.05% of loans (+204 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 21.56%, up 18 bps from a year ago.
  • Funding: loans stand at 84.71% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.89%-11 bps YoY

Net Interest Margin (YTD, annualized)

3.15%+32 bps YoY

Efficiency Ratio (YTD, annualized)

56.76%-561 bps YoY

Tier 1 Leverage Ratio

21.56%+18 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.00%1.05%1.01%0.95%0.89%-11 bps
Return on Equity5.04%5.23%4.99%4.62%4.32%-72 bps
Net Interest Margin2.83%2.86%2.88%3.09%3.15%+32 bps
Efficiency Ratio62.37%59.78%59.84%57.97%56.76%-561 bps
Non-Interest Burden1.69%1.62%1.63%1.70%1.69%0 bps
Growth
Asset Growth (YoY)3.60%2.89%4.46%4.34%3.84%+24 bps
Loan Growth (YoY)2.58%2.18%6.34%7.67%6.89%+431 bps
Deposit Growth (YoY)2.44%2.88%4.07%4.00%3.21%+78 bps
Asset Quality
Nonperforming Loans / Loans1.01%0.93%0.89%0.81%3.05%+204 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.03%0.02%+1 bps
Allowance / Loans1.05%1.04%1.02%1.01%1.16%+11 bps
Allowance Coverage of NPLs1.0x1.1x1.2x1.3x0.4x-0.7x
Capital
Tier 1 Leverage Ratio21.38%21.68%21.61%21.53%21.56%+18 bps
Total Risk-Based Capital40.35%40.60%38.66%39.70%39.44%-91 bps
Equity / Assets20.13%20.70%20.62%20.48%20.77%+64 bps
Liquidity & Funding
Loans / Deposits81.79%82.56%84.21%82.54%84.71%+292 bps
Liquid Assets / Assets5.65%5.76%5.91%8.16%7.73%+208 bps
CRE / Total Capitaln/a60.06%70.01%69.85%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

Eureka Savings Bank

La Salle, IL · Cert 28401 · Peer group: banks under $1B in assets in IL (n=149-151)

SI · FDIC · 5 branches

Q2 2026

$435.8MAssets
$270.6MLoans
$319.5MDeposits
$90.5MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 96% of banks under $1B in assets in IL (rank 6 of 151).
  • Widest gap: nonperforming loans / loans trails 88% of banks under $1B in assets in IL (rank 132 of 149).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.89%

Rank 93 of 151

Net Interest Margin

3.15%

Rank 105 of 151

Efficiency Ratio

56.76%

Rank 46 of 151

Equity / Assets

20.77%

Rank 6 of 151

Non-interest income vs. expense

$1.0M$8.5MINCOMEEXPENSE
Unfavorable gap of $7.5M · efficiency ratio beats 70% of banks under $1B in assets in IL
Bank 56.76%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.89%0.70%1.03%1.34%Beats 38%93 / 151
Return on Equity4.29%6.74%9.34%12.94%Beats 13%132 / 151
Net Interest Margin3.15%3.02%3.43%3.83%Beats 30%105 / 151
Efficiency Ratio56.76%54.64%64.89%72.50%Beats 70%46 / 151
Asset Quality
Nonperforming Loans / Loans3.05%0.20%0.66%1.77%Beats 12%132 / 149
Net Charge-Offs / Loans0.01%0.00%0.02%0.07%Beats 64%55 / 149
Capital
Tier 1 Capital Ratio38.19%11.83%14.17%18.66%Beats 96%6 / 151
Total Risk-Based Capital Ratio39.44%12.22%14.54%19.92%Beats 96%6 / 151
Equity / Assets20.77%9.10%10.65%12.40%Beats 96%6 / 151
Liquidity & Funding
Loans / Deposits84.71%54.39%71.02%80.75%82nd pctl27 / 149
Loans / Assets62.10%45.91%61.31%68.01%52nd pctl73 / 151
Brokered Deposits / Depositsn/aNot reported for this institution