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North County Savings Bank

Red Bud, IL · Cert 30656

SI · FDIC · 3 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 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

60

Q2 2024Q2 2026peer median (50)

Asset Quality

74

Q2 2024Q2 2026peer median (50)

Profitability

11

Q2 2024Q2 2026peer median (50)

Liquidity

7

Q2 2024Q2 2026peer median

Efficiency

12

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

North County Savings Bank

Red Bud, IL · Cert 30656

SI · FDIC · 3 branches

Q2 2026

$63.2MAssets
$28.5MLoans
$57.9MDeposits
$5.1MEquity
Loan mix
93%RE $25.9M0%C&I $0.0M7%Consumer $1.8MQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $48.6M16%Noninterest $9.3MQ2 2025Q2 2026

NIM

2.99%Q2 ’243.26%Q2 ’253.71%Q2 ’26+24%+26%

Non-interest income vs. expense

2.03%Q2 ’242.11%Q2 ’252.13%Q2 ’26+6%+2%

Executive Summary

  • Earnings: ROA of 0.42%, up 37 bps year over year; NIM at 2.34%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 8.45%, up 26 bps from a year ago.
  • Funding: loans stand at 49.15% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.42%+37 bps YoY

Net Interest Margin (YTD, annualized)

2.34%+48 bps YoY

Efficiency Ratio (YTD, annualized)

82.60%-1,770 bps YoY

Tier 1 Leverage Ratio

8.45%+26 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.05%0.07%0.14%0.38%0.42%+37 bps
Return on Equity0.64%0.90%1.78%4.80%5.29%+465 bps
Net Interest Margin1.85%1.91%1.99%2.25%2.34%+48 bps
Efficiency Ratio100.30%98.54%95.24%84.01%82.60%-1,770 bps
Non-Interest Burden1.86%1.88%1.89%1.85%1.89%+3 bps
Growth
Asset Growth (YoY)-1.17%0.62%3.51%2.45%-0.59%+58 bps
Loan Growth (YoY)1.45%1.30%0.46%2.63%4.64%+319 bps
Deposit Growth (YoY)-1.88%0.52%3.05%2.33%-1.02%+86 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.08%0.05%0.04%0.09%0.04%-4 bps
Allowance / Loans0.49%0.48%0.48%0.46%0.45%-3 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio8.19%8.13%8.21%8.34%8.45%+26 bps
Total Risk-Based Capital22.80%22.76%22.76%22.90%21.90%-90 bps
Equity / Assets7.52%7.65%7.88%7.91%8.04%+52 bps
Liquidity & Funding
Loans / Deposits46.50%46.72%47.52%48.40%49.15%+266 bps
Liquid Assets / Assets29.75%27.66%27.20%27.17%25.91%-384 bps
CRE / Total Capitaln/a18.10%17.67%17.24%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

North County Savings Bank

Red Bud, IL · Cert 30656 · Peer group: banks under $1B in assets in IL (n=149-151)

SI · FDIC · 3 branches

Q2 2026

$63.2MAssets
$28.5MLoans
$57.9MDeposits
$5.1MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in IL (rank 14 of 149).
  • Widest gap: net interest margin trails 98% of banks under $1B in assets in IL (rank 148 of 151).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.42%

Rank 133 of 151

Net Interest Margin

2.34%

Rank 148 of 151

Efficiency Ratio

82.60%

Rank 134 of 151

Equity / Assets

8.04%

Rank 131 of 151

Non-interest income vs. expense

$0.1M$1.3MINCOMEEXPENSE
Unfavorable gap of $1.2M · efficiency ratio beats 12% of banks under $1B in assets in IL
Bank 82.60%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.42%0.70%1.03%1.34%Beats 12%133 / 151
Return on Equity5.23%6.74%9.34%12.94%Beats 19%122 / 151
Net Interest Margin2.34%3.02%3.43%3.83%Beats 2%148 / 151
Efficiency Ratio82.60%54.64%64.89%72.50%Beats 12%134 / 151
Asset Quality
Nonperforming Loans / Loans0.00%0.20%0.66%1.77%Beats 100%14 / 149
Net Charge-Offs / Loans0.02%0.00%0.02%0.07%Beats 48%79 / 149
Capital
Tier 1 Capital Ratio21.38%11.83%14.17%18.66%Beats 83%26 / 151
Total Risk-Based Capital Ratio21.90%12.22%14.54%19.92%Beats 83%26 / 151
Equity / Assets8.04%9.10%10.65%12.40%Beats 13%131 / 151
Liquidity & Funding
Loans / Deposits49.15%54.39%71.02%80.75%14th pctl128 / 149
Loans / Assets45.03%45.91%61.31%68.01%21st pctl120 / 151
Brokered Deposits / Depositsn/aNot reported for this institution