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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 $2.1MQ3 2024Q2 2026
Deposit mix
100%Interest-bearing $106.3M0%Noninterest $0.2MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.54%, up 147 bps year over year; NIM at 2.99%.
  • Asset quality: problem loans at 1.19% of loans (-34 bps YoY), with net charge-offs at 0.03%.
  • 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.

Return on Assets (quarter, annualized)

1.54%+147 bps YoY

Net Interest Margin (quarter, annualized)

2.99%+168 bps YoY

Efficiency Ratio (quarter, annualized)

49.08%-4,584 bps YoY

Tier 1 Leverage Ratio

21.99%-545 bps YoY

NIM

2.87%Q2 ’242.61%Q2 ’254.20%Q2 ’26-10%+128%

Non-interest income vs. expense

1.11%Q2 ’241.28%Q2 ’251.49%Q2 ’26+16%+16%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.18%-0.50%-0.11%0.07%-0.09%-0.14%-38.54%1.54%+147 bps
Return on Equity-0.68%-1.87%-0.40%0.25%-0.34%-0.51%-156.93%7.36%+711 bps
Net Interest Margin1.15%1.12%1.17%1.31%1.37%1.32%2.56%2.99%+168 bps
Efficiency Ratio114.37%118.48%108.98%94.92%102.17%109.26%55.97%49.08%-4,584 bps
Non-Interest Burden1.33%1.33%1.27%1.24%1.40%1.45%1.42%1.44%+20 bps
Growth
Asset Growth (YoY)-2.33%-2.89%-4.05%-3.23%-3.85%-2.19%-13.50%-12.88%-965 bps
Loan Growth (YoY)3.51%4.60%4.84%6.80%3.53%5.11%4.72%0.88%-591 bps
Deposit Growth (YoY)-2.98%-4.55%-6.23%-5.56%-3.12%-3.32%-2.13%-2.25%+332 bps
Asset Quality
Nonperforming Loans / Loans1.74%1.67%1.76%1.53%1.01%1.42%1.22%1.19%-34 bps
Net Charge-Offs / Loans0.04%0.03%0.00%0.00%0.06%0.09%0.00%0.03%+3 bps
Allowance / Loans0.75%0.74%0.74%0.71%0.76%0.74%0.74%0.73%+2 bps
Allowance Coverage of NPLs0.4x0.4x0.4x0.5x0.8x0.5x0.6x0.6x+0.2x
Capital
Tier 1 Leverage Ratio26.84%27.19%27.19%27.44%27.40%28.04%19.73%21.99%-545 bps
Total Risk-Based Capital26.84%27.19%27.19%27.44%27.40%28.04%19.73%21.99%-545 bps
Equity / Assets26.62%26.96%26.99%27.22%27.63%27.84%20.86%21.03%-620 bps
Liquidity & Funding
Loans / Deposits33.96%35.08%35.08%36.42%36.29%38.14%37.53%37.59%+117 bps
Liquid Assets / Assets66.20%65.82%66.20%64.76%64.59%64.12%10.41%7.51%-5,725 bps
CRE / Total Capitaln/an/an/an/a2.01%2.25%3.42%n/an/a