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Security Savings Bank

Monmouth, IL · Cert 28925 · Security Bcorp MHC

SI · FDIC · 2 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

47

Q2 2024Q2 2026peer median (50)

Asset Quality

68

Q2 2024Q2 2026peer median (50)

Profitability

51

Q2 2024Q2 2026peer median (50)

Liquidity

92

Q2 2024Q2 2026peer median

Efficiency

32

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

Security Savings Bank

Monmouth, IL · Cert 28925 · Security Bcorp MHC

SI · FDIC · 2 branches

Q2 2026

$241.4MAssets
$152.2MLoans
$210.1MDeposits
$27.4MEquity
Loan mix
81%RE $83.8M7%C&I $7.3M12%Consumer $12.6MQ2 2025Q2 2026
Deposit mix
88%Interest-bearing $185.5M12%Noninterest $24.6MQ2 2025Q2 2026

NIM

3.79%Q2 ’244.31%Q2 ’254.71%Q2 ’26+23%+18%

Non-interest income vs. expense

2.26%Q2 ’242.40%Q2 ’252.83%Q2 ’26+7%+21%

Executive Summary

  • Earnings: ROA of 0.96%, up 10 bps year over year; NIM at 3.64%.
  • Asset quality: problem loans at 0.30% of loans (-43 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 12.97%, up 119 bps from a year ago.
  • Funding: loans stand at 72.42% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.96%+10 bps YoY

Net Interest Margin (YTD, annualized)

3.64%+57 bps YoY

Efficiency Ratio (YTD, annualized)

69.72%+81 bps YoY

Tier 1 Leverage Ratio

12.97%+119 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.86%0.81%0.87%1.13%0.96%+10 bps
Return on Equity9.00%8.33%8.77%10.54%8.74%-27 bps
Net Interest Margin3.07%3.21%3.27%3.54%3.64%+57 bps
Efficiency Ratio68.91%69.64%68.24%63.41%69.72%+81 bps
Non-Interest Burden1.99%2.10%2.10%2.08%2.41%+42 bps
Growth
Asset Growth (YoY)-3.36%-0.21%0.76%2.94%1.62%+498 bps
Loan Growth (YoY)3.53%5.17%0.09%-1.61%0.96%-258 bps
Deposit Growth (YoY)-0.62%3.21%3.49%1.46%-0.98%-36 bps
Asset Quality
Nonperforming Loans / Loans0.73%0.19%0.23%0.46%0.30%-43 bps
Net Charge-Offs / Loans0.05%0.05%0.05%0.01%0.01%-3 bps
Allowance / Loans1.11%1.14%1.17%1.19%1.17%+6 bps
Allowance Coverage of NPLs1.5x5.9x5.2x2.6x3.9x+2.4x
Capital
Tier 1 Leverage Ratio11.77%12.13%12.31%12.49%12.97%+119 bps
Total Risk-Based Capital11.77%12.13%12.31%12.49%12.97%+119 bps
Equity / Assets9.97%10.39%10.64%10.82%11.35%+138 bps
Liquidity & Funding
Loans / Deposits71.03%71.43%69.73%67.68%72.42%+139 bps
Liquid Assets / Assets5.23%6.06%6.82%8.32%4.89%-33 bps
CRE / Total Capitaln/a37.54%37.61%37.55%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

Security Savings Bank

Monmouth, IL · Cert 28925 · Peer group: banks under $1B in assets in IL (n=149-151) · Security Bcorp MHC

SI · FDIC · 2 branches

Q2 2026

$241.4MAssets
$152.2MLoans
$210.1MDeposits
$27.4MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 69% of banks under $1B in assets in IL (rank 47 of 149).
  • Widest gap: efficiency ratio trails 68% of banks under $1B in assets in IL (rank 103 of 151).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.98%

Rank 87 of 151

Net Interest Margin

3.64%

Rank 52 of 151

Efficiency Ratio

69.72%

Rank 103 of 151

Equity / Assets

11.35%

Rank 55 of 151

Non-interest income vs. expense

$1.0M$6.9MINCOMEEXPENSE
Unfavorable gap of $5.9M · efficiency ratio beats 32% of banks under $1B in assets in IL
Bank 69.72%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.98%0.70%1.03%1.34%Beats 42%87 / 151
Return on Equity8.59%6.74%9.34%12.94%Beats 44%85 / 151
Net Interest Margin3.64%3.02%3.43%3.83%Beats 66%52 / 151
Efficiency Ratio69.72%54.64%64.89%72.50%Beats 32%103 / 151
Asset Quality
Nonperforming Loans / Loans0.30%0.20%0.66%1.77%Beats 66%52 / 149
Net Charge-Offs / Loans0.01%0.00%0.02%0.07%Beats 69%47 / 149
Capital
Tier 1 Capital Ratio12.97%11.83%14.17%18.66%Beats 40%91 / 151
Total Risk-Based Capital Ratio12.97%12.22%14.54%19.92%Beats 37%95 / 151
Equity / Assets11.35%9.10%10.65%12.40%Beats 64%55 / 151
Liquidity & Funding
Loans / Deposits72.42%54.39%71.02%80.75%52nd pctl72 / 149
Loans / Assets63.04%45.91%61.31%68.01%54th pctl70 / 151
Brokered Deposits / Depositsn/aNot reported for this institution