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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

3.95%Q2 ’244.27%Q2 ’254.49%Q2 ’26+8%+10%

Non-interest income vs. expense

1.87%Q2 ’241.91%Q2 ’251.93%Q2 ’26+10%-1%

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 0.83%, down 23 bps year over year; NIM at 3.24%.
  • Asset quality: problem loans at 3.05% of loans (+204 bps YoY), with net charge-offs at 0.00%.
  • 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 (quarter, annualized)

0.83%-23 bps YoY

Net Interest Margin (quarter, annualized)

3.24%+29 bps YoY

Efficiency Ratio (quarter, annualized)

55.61%-519 bps YoY

Tier 1 Leverage Ratio

21.56%+18 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.06%1.15%0.89%0.95%0.83%-23 bps
Return on Equity5.31%5.61%4.28%4.62%4.02%-129 bps
Net Interest Margin2.94%2.90%3.06%3.09%3.24%+29 bps
Efficiency Ratio60.80%54.77%60.01%57.97%55.61%-519 bps
Non-Interest Burden1.71%1.48%1.74%1.70%1.69%-2 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 / Loans0.02%0.00%0.00%0.03%0.00%-2 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