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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