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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 -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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.07%-0.18%-0.11%-0.02%-0.04%-0.07%-38.54%-18.93%-1,891 bps
Return on Equity-0.27%-0.67%-0.40%-0.07%-0.16%-0.25%-156.93%-80.79%-8,071 bps
Net Interest Margin1.11%1.12%1.17%1.24%1.29%1.31%2.56%2.90%+165 bps
Efficiency Ratio107.42%110.16%108.98%101.58%101.79%103.68%55.97%52.41%-4,917 bps
Non-Interest Burden1.19%1.24%1.27%1.26%1.31%1.36%1.42%1.50%+23 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 / Loans0.02%0.02%0.00%0.00%0.02%0.04%0.00%0.01%+1 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