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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