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Iroquois Federal Savings and Loan Association

Watseka, IL · Cert 29675

FDIC · 7 branches

Q4 2025

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: Q4 2025, the quarter ended December 31, 2025, 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=150 to 152). 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

21

Q2 2024Q4 2025peer median (50)

Asset Quality

65

Q2 2024Q4 2025peer median (50)

Profitability

26

Q2 2024Q4 2025peer median (50)

Liquidity

0

Q2 2024Q4 2025peer median

Efficiency

24

Q2 2024Q4 2025peer 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

Iroquois Federal Savings and Loan Association

Watseka, IL · Cert 29675

FDIC · 7 branches

Q4 2025

$830.4MAssets
$598.8MLoans
$654.9MDeposits
$81.7MEquity
Loan mix
89%RE $506.3M10%C&I $59.4M1%Consumer $5.7MQ4 2024Q4 2025
Deposit mix
93%Interest-bearing $611.9M7%Noninterest $43.0MQ4 2024Q4 2025

NIM

4.01%Q4 ’234.78%Q4 ’245.04%Q4 ’25-1%+33%

Non-interest income vs. expense

2.16%Q4 ’232.20%Q4 ’242.47%Q4 ’25-4%+16%

Market Position · Kankakee, IL · 2025 SOD (annual) · 2.6% share · #11 of 13 inst. · $0.1B of $2.6B

25.5% Vermilion
21.5% Iroquois
2.6% Kankakee
0.7% Champaign

Executive Summary

  • Earnings: ROA of 0.60%, up 26 bps year over year; NIM at 2.65%.
  • Asset quality: problem loans at 0.33% of loans (+29 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 10.90%, up 133 bps from a year ago.
  • Funding: loans stand at 91.44% of deposits as of Q4 2025.

Financial Results

Return on Assets (YTD, annualized)

0.60%+26 bps YoY

Net Interest Margin (YTD, annualized)

2.65%+66 bps YoY

Efficiency Ratio (YTD, annualized)

76.09%-895 bps YoY

Tier 1 Leverage Ratio

10.90%+133 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets0.34%0.48%0.56%0.59%0.60%+26 bps
Return on Equity4.50%5.94%6.89%7.01%6.92%+241 bps
Net Interest Margin1.99%2.25%2.39%2.50%2.65%+66 bps
Efficiency Ratio85.04%81.44%78.76%76.66%76.09%-895 bps
Non-Interest Burden1.64%1.78%1.81%1.83%1.91%+27 bps
Growth
Asset Growth (YoY)-2.82%-2.86%-0.02%-3.48%-6.19%-337 bps
Loan Growth (YoY)-0.98%-0.89%-1.02%-4.39%-8.58%-760 bps
Deposit Growth (YoY)0.36%0.12%-0.97%0.30%-4.88%-523 bps
Asset Quality
Nonperforming Loans / Loans0.04%0.05%0.01%0.16%0.33%+29 bps
Net Charge-Offs / Loans-0.01%0.00%0.02%0.03%0.03%+4 bps
Allowance / Loans1.12%1.10%1.04%1.04%1.09%-3 bps
Allowance Coverage of NPLs29.6x21.1x144.1x6.4x3.3x-26.3x
Capital
Tier 1 Leverage Ratio9.57%9.79%10.04%10.25%10.90%+133 bps
Total Risk-Based Capital9.57%9.79%10.04%10.25%10.90%+133 bps
Equity / Assets7.78%8.25%8.50%9.14%9.83%+206 bps
Liquidity & Funding
Loans / Deposits95.14%93.42%88.04%91.23%91.44%-370 bps
Liquid Assets / Assets0.24%0.38%0.95%0.34%0.42%+18 bps
CRE / Total Capitaln/an/an/a344%317%n/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

Iroquois Federal Savings and Loan Association

Watseka, IL · Cert 29675 · Peer group: banks under $1B in assets in IL (n=150-152)

FDIC · 7 branches

Q4 2025

$830.4MAssets
$598.8MLoans
$654.9MDeposits
$81.7MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 65% of banks under $1B in assets in IL (rank 54 of 150).
  • Widest gap: brokered deposits / deposits trails 88% of banks under $1B in assets in IL (rank 133 of 150).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.63%

Rank 113 of 152

Net Interest Margin

2.65%

Rank 125 of 152

Efficiency Ratio

76.09%

Rank 117 of 152

Equity / Assets

9.83%

Rank 94 of 152

Non-interest income vs. expense

$4.8M$21.2MINCOMEEXPENSE
Unfavorable gap of $16.4M · efficiency ratio beats 24% of banks under $1B in assets in IL
Bank 76.09%Peer median 64.7%Q2 2024Q4 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.63%0.62%0.89%1.14%Beats 26%113 / 152
Return on Equity6.39%5.27%8.33%10.85%Beats 33%102 / 152
Net Interest Margin2.65%2.78%3.24%3.64%Beats 18%125 / 152
Efficiency Ratio76.09%58.20%64.67%75.78%Beats 24%117 / 152
Asset Quality
Nonperforming Loans / Loans0.33%0.21%0.65%1.49%Beats 65%54 / 150
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio10.90%11.52%13.76%18.48%Beats 14%130 / 152
Total Risk-Based Capital Ratio10.90%12.00%14.42%19.42%Beats 12%134 / 152
Equity / Assets9.83%8.94%10.50%12.36%Beats 38%94 / 152
Liquidity & Funding
Loans / Deposits91.44%55.85%71.31%82.73%91st pctl13 / 150
Loans / Assets72.11%47.53%62.43%69.94%83rd pctl26 / 150
Brokered Deposits / Deposits3.80%n/an/a0.61%Beats 12%133 / 150