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Dewitt Savings Bank

Clinton, IL · Cert 29535

SI · FDIC · 2 branches

Q2 2026

$173.2MAssets
$83.9MLoans
$141.1MDeposits
$16.2MEquity
Loan mix
59%RE $50.2M1%C&I $1.0M40%Consumer $33.8MQ3 2024Q2 2026
Deposit mix
84%Interest-bearing $117.8M16%Noninterest $23.3MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.59%, up 44 bps year over year; NIM at 2.65%.
  • Asset quality: problem loans at 1.21% of loans (+25 bps YoY), with net charge-offs at 0.29%.
  • Capital: tier 1 leverage ratio of 10.47%, down 75 bps from a year ago.
  • Funding: loans stand at 59.47% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.59%+44 bps YoY

Net Interest Margin (YTD, annualized)

2.65%+19 bps YoY

Efficiency Ratio (YTD, annualized)

78.08%-1,157 bps YoY

Tier 1 Leverage Ratio

10.47%-75 bps YoY

NIM

4.17%Q2 ’244.19%Q2 ’254.64%Q2 ’26+8%+8%

Non-interest income vs. expense

2.83%Q2 ’242.61%Q2 ’252.50%Q2 ’26-7%-10%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.01%0.09%0.15%0.15%0.26%0.28%0.48%0.59%+44 bps
Return on Equity-0.15%0.98%1.70%1.83%3.12%3.31%5.72%6.78%+495 bps
Net Interest Margin2.28%2.26%2.58%2.46%2.28%2.24%2.47%2.65%+19 bps
Efficiency Ratio101.65%96.46%91.94%89.64%86.30%81.89%81.40%78.08%-1,157 bps
Non-Interest Burden2.35%2.18%2.38%2.19%1.94%1.78%1.95%1.98%-22 bps
Growth
Asset Growth (YoY)1.60%0.32%0.07%8.92%21.36%23.65%16.19%10.68%+177 bps
Loan Growth (YoY)5.55%6.19%-7.09%-6.58%5.62%5.22%4.38%4.77%+1,135 bps
Deposit Growth (YoY)0.23%2.57%1.50%8.80%25.86%21.46%21.47%3.95%-485 bps
Asset Quality
Nonperforming Loans / Loans0.72%0.84%0.74%0.96%0.81%1.19%0.88%1.21%+25 bps
Net Charge-Offs / Loans0.17%0.16%0.47%0.45%0.28%0.32%0.08%0.29%-17 bps
Allowance / Loans0.76%0.78%0.70%0.69%0.67%0.61%0.61%0.53%-16 bps
Allowance Coverage of NPLs1.0x0.9x0.9x0.7x0.8x0.5x0.7x0.4x-0.3x
Capital
Tier 1 Leverage Ratio12.34%12.26%11.66%11.22%10.44%9.82%10.23%10.47%-75 bps
Total Risk-Based Capital23.69%22.64%24.27%22.18%21.00%20.29%21.08%21.22%-96 bps
Equity / Assets9.51%8.85%8.78%7.66%7.98%8.46%8.31%9.33%+167 bps
Liquidity & Funding
Loans / Deposits70.53%68.19%63.51%59.00%59.19%59.08%54.58%59.47%+47 bps
Liquid Assets / Assets3.60%5.91%5.22%2.51%3.38%3.61%4.70%2.23%-28 bps
CRE / Total Capitaln/an/an/an/a36.29%35.18%31.62%n/an/a