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Community Partners Savings Bank

Salem, IL · Cert 30819

SI · FDIC · 6 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

75

Q2 2024Q2 2026peer median (50)

Asset Quality

27

Q2 2024Q2 2026peer median (50)

Profitability

26

Q2 2024Q2 2026peer median (50)

Liquidity

41

Q2 2024Q2 2026peer median

Efficiency

22

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

Community Partners Savings Bank

Salem, IL · Cert 30819

SI · FDIC · 6 branches

Q2 2026

$288.4MAssets
$129.6MLoans
$226.5MDeposits
$29.7MEquity
Loan mix
85%RE $105.4M7%C&I $8.2M9%Consumer $11.1MQ2 2025Q2 2026
Deposit mix
90%Interest-bearing $202.8M10%Noninterest $23.7MQ2 2025Q2 2026

NIM

4.41%Q2 ’244.72%Q2 ’254.88%Q2 ’26+14%+10%

Non-interest income vs. expense

2.75%Q2 ’242.85%Q2 ’252.73%Q2 ’26+6%-8%

Market Position · Peoria, IL · 2026 SOD (annual) · 0.4% share · #30 of 35 inst. · $0.0B of $10.0B

12.9% Marion
0.9% Tazewell
6.7% Clay
0.4% Madison

Executive Summary

  • Earnings: ROA of 0.67%, up 27 bps year over year; NIM at 3.19%.
  • Asset quality: problem loans at 1.77% of loans (+41 bps YoY), with net charge-offs at 0.08%.
  • Capital: tier 1 leverage ratio of 11.88%, up 36 bps from a year ago.
  • Funding: loans stand at 57.23% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.67%+27 bps YoY

Net Interest Margin (YTD, annualized)

3.19%+30 bps YoY

Efficiency Ratio (YTD, annualized)

75.31%-1,254 bps YoY

Tier 1 Leverage Ratio

11.88%+36 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.40%0.46%0.44%0.34%0.67%+27 bps
Return on Equity4.30%4.90%4.60%3.38%6.58%+227 bps
Net Interest Margin2.89%2.91%2.93%3.15%3.19%+30 bps
Efficiency Ratio87.85%82.96%82.05%78.38%75.31%-1,254 bps
Non-Interest Burden2.53%2.38%2.37%2.42%2.32%-20 bps
Growth
Asset Growth (YoY)16.05%7.97%2.56%3.05%0.37%-1,569 bps
Loan Growth (YoY)8.25%8.20%-1.85%-3.99%-3.48%-1,173 bps
Deposit Growth (YoY)11.12%8.08%-3.04%-0.13%0.20%-1,092 bps
Asset Quality
Nonperforming Loans / Loans1.36%1.75%1.62%1.68%1.77%+41 bps
Net Charge-Offs / Loans0.06%0.05%0.07%0.15%0.08%+1 bps
Allowance / Loans0.48%0.51%0.55%0.61%0.63%+15 bps
Allowance Coverage of NPLs0.4x0.3x0.3x0.4x0.4x0.0x
Capital
Tier 1 Leverage Ratio11.52%11.68%11.75%11.64%11.88%+36 bps
Total Risk-Based Capital23.35%24.12%24.26%25.25%25.29%+194 bps
Equity / Assets9.51%10.18%10.20%9.93%10.28%+77 bps
Liquidity & Funding
Loans / Deposits59.41%58.95%58.64%55.01%57.23%-218 bps
Liquid Assets / Assets1.33%1.31%3.84%4.75%1.04%-29 bps
CRE / Total Capitaln/a95.51%98.71%86.61%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

Community Partners Savings Bank

Salem, IL · Cert 30819 · Peer group: banks under $1B in assets in IL (n=149-151)

SI · FDIC · 6 branches

Q2 2026

$288.4MAssets
$129.6MLoans
$226.5MDeposits
$29.7MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 91% of banks under $1B in assets in IL (rank 14 of 151).
  • Widest gap: efficiency ratio trails 78% of banks under $1B in assets in IL (rank 119 of 151).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.67%

Rank 116 of 151

Net Interest Margin

3.19%

Rank 102 of 151

Efficiency Ratio

76.17%

Rank 119 of 151

Equity / Assets

10.28%

Rank 86 of 151

Non-interest income vs. expense

$1.2M$8.0MINCOMEEXPENSE
Unfavorable gap of $6.8M · efficiency ratio beats 22% of banks under $1B in assets in IL
Bank 76.17%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.67%0.70%1.03%1.34%Beats 23%116 / 151
Return on Equity6.53%6.74%9.34%12.94%Beats 23%117 / 151
Net Interest Margin3.19%3.02%3.43%3.83%Beats 32%102 / 151
Efficiency Ratio76.17%54.64%64.89%72.50%Beats 22%119 / 151
Asset Quality
Nonperforming Loans / Loans1.77%0.20%0.66%1.77%Beats 26%112 / 149
Net Charge-Offs / Loans0.05%0.00%0.02%0.07%Beats 28%108 / 149
Capital
Tier 1 Capital Ratio24.71%11.83%14.17%18.66%Beats 91%14 / 151
Total Risk-Based Capital Ratio25.29%12.22%14.54%19.92%Beats 91%14 / 151
Equity / Assets10.28%9.10%10.65%12.40%Beats 43%86 / 151
Liquidity & Funding
Loans / Deposits57.23%54.39%71.02%80.75%30th pctl105 / 149
Loans / Assets44.94%45.91%61.31%68.01%19th pctl122 / 151
Brokered Deposits / Depositsn/aNot reported for this institution