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Streator Home Savings Bank

Streator, IL · Cert 30357

SI · FDIC · 1 branch

Q2 2026

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: 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 IL (n=149 to 151). 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

88

Q2 2024Q2 2026peer median (50)

Asset Quality

53

Q2 2024Q2 2026peer median (50)

Profitability

6

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

82

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

Streator Home Savings Bank

Streator, IL · Cert 30357

SI · FDIC · 1 branch

Q2 2026

$137.0MAssets
$40.0MLoans
$106.5MDeposits
$28.8MEquity
Loan mix
95%RE $37.9M0%C&I $0.0M5%Consumer $2.1MQ2 2025Q2 2026
Deposit mix
100%Interest-bearing $106.3M0%Noninterest $0.2MQ2 2025Q2 2026

NIM

2.49%Q2 ’242.58%Q2 ’254.18%Q2 ’26+17%+133%

Non-interest income vs. expense

1.14%Q2 ’241.30%Q2 ’251.54%Q2 ’26+14%+18%

Executive Summary

  • Earnings: ROA of -18.93%, down 1,891 bps year over year; NIM at 2.90%.
  • Asset quality: problem loans at 1.19% of loans (-34 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 21.99%, down 545 bps from a year ago.
  • Funding: loans stand at 37.59% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-18.93%-1,891 bps YoY

Net Interest Margin (YTD, annualized)

2.90%+165 bps YoY

Efficiency Ratio (YTD, annualized)

52.41%-4,917 bps YoY

Tier 1 Leverage Ratio

21.99%-545 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.02%-0.04%-0.07%-38.54%-18.93%-1,891 bps
Return on Equity-0.07%-0.16%-0.25%-156.93%-80.79%-8,071 bps
Net Interest Margin1.24%1.29%1.31%2.56%2.90%+165 bps
Efficiency Ratio101.58%101.79%103.68%55.97%52.41%-4,917 bps
Non-Interest Burden1.26%1.31%1.36%1.42%1.50%+23 bps
Growth
Asset Growth (YoY)-3.23%-3.85%-2.19%-13.50%-12.88%-965 bps
Loan Growth (YoY)6.80%3.53%5.11%4.72%0.88%-591 bps
Deposit Growth (YoY)-5.56%-3.12%-3.32%-2.13%-2.25%+332 bps
Asset Quality
Nonperforming Loans / Loans1.53%1.01%1.42%1.22%1.19%-34 bps
Net Charge-Offs / Loans0.00%0.02%0.04%0.00%0.01%+1 bps
Allowance / Loans0.71%0.76%0.74%0.74%0.73%+2 bps
Allowance Coverage of NPLs0.5x0.8x0.5x0.6x0.6x+0.2x
Capital
Tier 1 Leverage Ratio27.44%27.40%28.04%19.73%21.99%-545 bps
Total Risk-Based Capital27.44%27.40%28.04%19.73%21.99%-545 bps
Equity / Assets27.22%27.63%27.84%20.86%21.03%-620 bps
Liquidity & Funding
Loans / Deposits36.42%36.29%38.14%37.53%37.59%+117 bps
Liquid Assets / Assets64.76%64.59%64.12%10.41%7.51%-5,725 bps
CRE / Total Capitaln/a2.01%2.25%3.42%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

Streator Home Savings Bank

Streator, IL · Cert 30357 · Peer group: banks under $1B in assets in IL (n=149-151)

SI · FDIC · 1 branch

Q2 2026

$137.0MAssets
$40.0MLoans
$106.5MDeposits
$28.8MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 97% of banks under $1B in assets in IL (rank 5 of 151).
  • Widest gap: return on equity trails 100% of banks under $1B in assets in IL (rank 151 of 151).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

-19.74%

Rank 151 of 151

Net Interest Margin

2.90%

Rank 126 of 151

Efficiency Ratio

52.41%

Rank 28 of 151

Equity / Assets

21.03%

Rank 5 of 151

Non-interest income vs. expense

$0.1M$2.1MINCOMEEXPENSE
Unfavorable gap of $2.0M · efficiency ratio beats 82% of banks under $1B in assets in IL
Bank 52.41%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-19.74%0.70%1.03%1.34%Beats 0%151 / 151
Return on Equity-93.89%6.74%9.34%12.94%Beats 0%151 / 151
Net Interest Margin2.90%3.02%3.43%3.83%Beats 17%126 / 151
Efficiency Ratio52.41%54.64%64.89%72.50%Beats 82%28 / 151
Asset Quality
Nonperforming Loans / Loans1.19%0.20%0.66%1.77%Beats 38%94 / 149
Net Charge-Offs / Loans0.01%0.00%0.02%0.07%Beats 67%50 / 149
Capital
Tier 1 Capital Ratio21.99%11.83%14.17%18.66%Beats 85%23 / 151
Total Risk-Based Capital Ratio21.99%12.22%14.54%19.92%Beats 83%25 / 151
Equity / Assets21.03%9.10%10.65%12.40%Beats 97%5 / 151
Liquidity & Funding
Loans / Deposits37.59%54.39%71.02%80.75%5th pctl141 / 149
Loans / Assets29.20%45.91%61.31%68.01%3rd pctl146 / 151
Brokered Deposits / Depositsn/aNot reported for this institution