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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 $12.6MQ3 2024Q2 2026
Deposit mix
88%Interest-bearing $185.5M12%Noninterest $24.6MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.77%, down 22 bps year over year; NIM at 3.66%.
  • Asset quality: problem loans at 0.30% of loans (-43 bps YoY), with net charge-offs at 0.02%.
  • 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.

Return on Assets (quarter, annualized)

0.77%-22 bps YoY

Net Interest Margin (quarter, annualized)

3.66%+44 bps YoY

Efficiency Ratio (quarter, annualized)

76.10%+1,190 bps YoY

Tier 1 Leverage Ratio

12.97%+119 bps YoY

NIM

3.88%Q2 ’244.40%Q2 ’254.72%Q2 ’26+27%+14%

Non-interest income vs. expense

2.27%Q2 ’242.33%Q2 ’253.07%Q2 ’26+2%+41%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.52%0.53%0.72%0.99%0.73%1.05%1.13%0.77%-22 bps
Return on Equity5.79%5.73%7.82%10.14%7.14%9.99%10.54%6.95%-319 bps
Net Interest Margin2.49%2.66%2.93%3.22%3.39%3.52%3.54%3.66%+44 bps
Efficiency Ratio79.63%78.16%74.04%64.20%70.99%64.38%63.41%76.10%+1,190 bps
Non-Interest Burden1.89%1.99%2.07%1.92%2.27%2.11%2.08%2.69%+78 bps
Growth
Asset Growth (YoY)-1.35%-3.49%-1.08%-3.36%-0.21%0.76%2.94%1.62%+498 bps
Loan Growth (YoY)8.19%7.50%5.39%3.53%5.17%0.09%-1.61%0.96%-258 bps
Deposit Growth (YoY)-1.67%-2.75%-0.34%-0.62%3.21%3.49%1.46%-0.98%-36 bps
Asset Quality
Nonperforming Loans / Loans0.21%0.18%0.15%0.73%0.19%0.23%0.46%0.30%-43 bps
Net Charge-Offs / Loans0.02%0.04%0.11%-0.01%0.07%0.02%0.01%0.02%+3 bps
Allowance / Loans1.11%1.08%1.07%1.11%1.14%1.17%1.19%1.17%+6 bps
Allowance Coverage of NPLs5.4x6.1x7.3x1.5x5.9x5.2x2.6x3.9x+2.4x
Capital
Tier 1 Leverage Ratio10.98%11.23%11.56%11.77%12.13%12.31%12.49%12.97%+119 bps
Total Risk-Based Capital10.98%11.23%11.56%11.77%12.13%12.31%12.49%12.97%+119 bps
Equity / Assets9.40%9.05%9.51%9.97%10.39%10.64%10.82%11.35%+138 bps
Liquidity & Funding
Loans / Deposits70.10%72.10%69.79%71.03%71.43%69.73%67.68%72.42%+139 bps
Liquid Assets / Assets2.45%2.75%4.91%5.23%6.06%6.82%8.32%4.89%-33 bps
CRE / Total Capitaln/an/an/an/a37.54%37.61%37.55%n/an/a