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Washington Savings Bank

Effingham, IL · Cert 29227 · Washington Savings MHC

SI · FDIC · 4 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

72

Q2 2024Q2 2026peer median (50)

Asset Quality

51

Q2 2024Q2 2026peer median (50)

Profitability

20

Q2 2024Q2 2026peer median (50)

Liquidity

98

Q2 2024Q2 2026peer median

Efficiency

42

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

Washington Savings Bank

Effingham, IL · Cert 29227 · Washington Savings MHC

SI · FDIC · 4 branches

Q2 2026

$585.3MAssets
$356.1MLoans
$504.4MDeposits
$67.4MEquity
Loan mix
83%RE $295.4M15%C&I $53.5M1%Consumer $5.1MQ2 2025Q2 2026
Deposit mix
87%Interest-bearing $440.3M13%Noninterest $64.0MQ2 2025Q2 2026

NIM

3.69%Q2 ’243.86%Q2 ’254.30%Q2 ’26+21%+24%

Non-interest income vs. expense

2.00%Q2 ’242.21%Q2 ’252.01%Q2 ’26+9%-12%

Executive Summary

  • Earnings: ROA of 0.77%, up 70 bps year over year; NIM at 2.53%.
  • Asset quality: problem loans at 0.29% of loans (-19 bps YoY), with net charge-offs at 0.07%.
  • Capital: tier 1 leverage ratio of 12.07%, up 45 bps from a year ago.
  • Funding: loans stand at 70.61% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.77%+70 bps YoY

Net Interest Margin (YTD, annualized)

2.53%+48 bps YoY

Efficiency Ratio (YTD, annualized)

66.59%-2,081 bps YoY

Tier 1 Leverage Ratio

12.07%+45 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.06%0.18%0.31%0.71%0.77%+70 bps
Return on Equity0.60%1.72%2.88%6.39%6.80%+620 bps
Net Interest Margin2.04%2.12%2.22%2.45%2.53%+48 bps
Efficiency Ratio87.40%85.13%81.22%67.41%66.59%-2,081 bps
Non-Interest Burden1.71%1.72%1.69%1.46%1.50%-21 bps
Growth
Asset Growth (YoY)1.08%-2.99%3.41%4.20%-0.03%-110 bps
Loan Growth (YoY)-2.92%1.75%3.96%6.50%7.84%+1,076 bps
Deposit Growth (YoY)2.56%-3.90%2.29%3.71%-0.23%-279 bps
Asset Quality
Nonperforming Loans / Loans0.48%0.56%0.49%0.38%0.29%-19 bps
Net Charge-Offs / Loans0.00%-0.01%0.00%0.02%0.07%+7 bps
Allowance / Loans1.07%1.03%1.02%1.00%0.94%-12 bps
Allowance Coverage of NPLs2.2x1.9x2.1x2.6x3.2x+1.0x
Capital
Tier 1 Leverage Ratio11.62%11.57%11.84%11.86%12.07%+45 bps
Total Risk-Based Capital20.27%19.91%20.11%19.90%19.92%-35 bps
Equity / Assets10.48%11.21%11.29%11.06%11.51%+103 bps
Liquidity & Funding
Loans / Deposits65.33%69.19%68.51%68.10%70.61%+528 bps
Liquid Assets / Assets6.06%2.99%4.91%6.89%2.38%-368 bps
CRE / Total Capitaln/a223%217%225%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

Washington Savings Bank

Effingham, IL · Cert 29227 · Peer group: banks under $1B in assets in IL (n=149-151) · Washington Savings MHC

SI · FDIC · 4 branches

Q2 2026

$585.3MAssets
$356.1MLoans
$504.4MDeposits
$67.4MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 75% of banks under $1B in assets in IL (rank 37 of 151).
  • Widest gap: net interest margin trails 95% of banks under $1B in assets in IL (rank 144 of 151).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.78%

Rank 106 of 151

Net Interest Margin

2.53%

Rank 144 of 151

Efficiency Ratio

66.67%

Rank 89 of 151

Equity / Assets

11.51%

Rank 50 of 151

Non-interest income vs. expense

$3.1M$12.3MINCOMEEXPENSE
Unfavorable gap of $9.2M · efficiency ratio beats 42% of banks under $1B in assets in IL
Bank 66.67%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.78%0.70%1.03%1.34%Beats 30%106 / 151
Return on Equity6.74%6.74%9.34%12.94%Beats 25%114 / 151
Net Interest Margin2.53%3.02%3.43%3.83%Beats 5%144 / 151
Efficiency Ratio66.67%54.64%64.89%72.50%Beats 42%89 / 151
Asset Quality
Nonperforming Loans / Loans0.29%0.20%0.66%1.77%Beats 66%51 / 149
Net Charge-Offs / Loans0.04%0.00%0.02%0.07%Beats 35%98 / 149
Capital
Tier 1 Capital Ratio19.02%11.83%14.17%18.66%Beats 75%37 / 151
Total Risk-Based Capital Ratio19.92%12.22%14.54%19.92%Beats 75%38 / 151
Equity / Assets11.51%9.10%10.65%12.40%Beats 67%50 / 151
Liquidity & Funding
Loans / Deposits70.61%54.39%71.02%80.75%48th pctl78 / 149
Loans / Assets60.84%45.91%61.31%68.01%48th pctl79 / 151
Brokered Deposits / Depositsn/aNot reported for this institution