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Lisle Savings Bank

Lisle, IL · Cert 29800

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 the Chicago-Naperville-Elgin, IL-IN area3

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 the Chicago-Naperville-Elgin, IL-IN area (n=56 to 57). 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

90

Q2 2024Q2 2026peer median (50)

Asset Quality

69

Q2 2024Q2 2026peer median (50)

Profitability

27

Q2 2024Q2 2026peer median (50)

Liquidity

75

Q2 2024Q2 2026peer median

Efficiency

70

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

Lisle Savings Bank

Lisle, IL · Cert 29800

SI · FDIC · 4 branches

Q2 2026

$544.5MAssets
$299.1MLoans
$383.3MDeposits
$135.4MEquity
Loan mix
100%RE $292.5M0%C&I $0.2M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
96%Interest-bearing $368.7M4%Noninterest $14.6MQ2 2025Q2 2026

NIM

3.44%Q2 ’243.38%Q2 ’253.98%Q2 ’26-4%+52%

Non-interest income vs. expense

1.70%Q2 ’241.71%Q2 ’251.69%Q2 ’26-4%+6%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.1% share · #76 of 147 inst. · $0.4B of $630.7B

Executive Summary

  • Earnings: ROA of 0.84%, up 55 bps year over year; NIM at 2.41%.
  • Asset quality: problem loans at 0.95% of loans (-31 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 26.10%, up 90 bps from a year ago.
  • Funding: loans stand at 78.03% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.84%+55 bps YoY

Net Interest Margin (YTD, annualized)

2.41%+83 bps YoY

Efficiency Ratio (YTD, annualized)

61.74%-2,316 bps YoY

Tier 1 Leverage Ratio

26.10%+90 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.28%0.30%0.29%0.33%0.84%+55 bps
Return on Equity1.23%1.30%1.21%1.34%3.42%+219 bps
Net Interest Margin1.59%1.65%1.70%1.76%2.41%+83 bps
Efficiency Ratio84.90%85.18%86.06%82.47%61.74%-2,316 bps
Non-Interest Burden1.28%1.35%1.41%1.39%1.36%+8 bps
Growth
Asset Growth (YoY)-0.31%-2.52%-2.18%-0.65%-1.03%-72 bps
Loan Growth (YoY)1.47%1.76%2.70%4.82%5.19%+372 bps
Deposit Growth (YoY)1.08%1.12%0.38%0.47%-0.31%-139 bps
Asset Quality
Nonperforming Loans / Loans1.25%1.42%1.44%1.38%0.95%-31 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.02%1.02%1.01%0.99%0.97%-5 bps
Allowance Coverage of NPLs0.8x0.7x0.7x0.7x1.0x+0.2x
Capital
Tier 1 Leverage Ratio25.20%25.91%26.24%25.97%26.10%+90 bps
Total Risk-Based Capital25.20%25.91%26.24%25.97%26.10%+90 bps
Equity / Assets23.55%24.55%24.46%24.18%24.87%+132 bps
Liquidity & Funding
Loans / Deposits73.95%74.48%74.64%74.57%78.03%+408 bps
Liquid Assets / Assets5.73%4.63%5.68%6.83%5.35%-38 bps
CRE / Total Capitaln/a7.63%7.37%7.39%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

Lisle Savings Bank

Lisle, IL · Cert 29800 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57)

SI · FDIC · 4 branches

Q2 2026

$544.5MAssets
$299.1MLoans
$383.3MDeposits
$135.4MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 24 of 56).
  • Widest gap: net interest margin trails 95% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 54 of 57).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.84%

Rank 29 of 57

Net Interest Margin

2.41%

Rank 54 of 57

Efficiency Ratio

61.74%

Rank 18 of 57

Equity / Assets

24.87%

Rank 4 of 57

Non-interest income vs. expense

$1.9M$9.6MINCOMEEXPENSE
Unfavorable gap of $7.8M · efficiency ratio beats 70% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 61.74%Peer median 69.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.84%0.51%0.84%1.19%Beats 49%29 / 57
Return on Equity3.39%3.13%7.76%11.40%Beats 28%41 / 57
Net Interest Margin2.41%3.16%3.63%4.08%Beats 5%54 / 57
Efficiency Ratio61.74%59.57%69.70%81.06%Beats 70%18 / 57
Asset Quality
Nonperforming Loans / Loans0.95%0.06%0.34%1.78%Beats 37%36 / 56
Net Charge-Offs / Loans0.00%n/a0.00%0.01%Beats 100%24 / 56
Capital
Tier 1 Capital Ratio26.10%12.24%16.06%19.69%Beats 89%6 / 57
Total Risk-Based Capital Ratio26.10%12.54%16.50%20.95%Beats 88%7 / 57
Equity / Assets24.87%9.37%11.56%15.00%Beats 93%4 / 57
Liquidity & Funding
Loans / Deposits78.03%66.29%85.59%95.16%35th pctl37 / 57
Loans / Assets54.93%57.07%71.07%78.13%19th pctl46 / 57
Brokered Deposits / Depositsn/aNot reported for this institution