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Letter portraitLegal landscapeQuarterYTD

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 $1.8MQ3 2024Q2 2026
Deposit mix
84%Interest-bearing $48.6M16%Noninterest $9.3MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.21%-0.25%-0.04%0.05%0.07%0.14%0.38%0.42%+37 bps
Return on Equity-2.98%-3.56%-0.52%0.64%0.90%1.78%4.80%5.29%+465 bps
Net Interest Margin1.54%1.60%1.78%1.85%1.91%1.99%2.25%2.34%+48 bps
Efficiency Ratio114.50%117.50%106.43%100.30%98.54%95.24%84.01%82.60%-1,770 bps
Non-Interest Burden1.80%1.93%1.91%1.86%1.88%1.89%1.85%1.89%+3 bps
Growth
Asset Growth (YoY)-3.60%-6.09%-5.85%-1.17%0.62%3.51%2.45%-0.59%+58 bps
Loan Growth (YoY)3.47%1.36%2.71%1.45%1.30%0.46%2.63%4.64%+319 bps
Deposit Growth (YoY)-1.66%-3.38%-6.89%-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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.02%0.16%0.08%0.05%0.04%0.09%0.04%-4 bps
Allowance / Loans0.52%0.49%0.48%0.49%0.48%0.48%0.46%0.45%-3 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio8.10%8.20%8.38%8.19%8.13%8.21%8.34%8.45%+26 bps
Total Risk-Based Capital22.93%22.39%22.60%22.80%22.76%22.76%22.90%21.90%-90 bps
Equity / Assets7.42%7.43%7.60%7.52%7.65%7.88%7.91%8.04%+52 bps
Liquidity & Funding
Loans / Deposits46.36%48.75%48.26%46.50%46.72%47.52%48.40%49.15%+266 bps
Liquid Assets / Assets28.72%26.61%26.81%29.75%27.66%27.20%27.17%25.91%-384 bps
CRE / Total Capitaln/an/an/an/a18.10%17.67%17.24%n/an/a