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Letter portraitLegal landscapeQuarterYTD

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