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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

4.49%Q2 ’244.80%Q2 ’254.92%Q2 ’26+15%+11%

Non-interest income vs. expense

2.65%Q2 ’242.80%Q2 ’252.70%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 0.99%, up 70 bps year over year; NIM at 3.23%.
  • Asset quality: problem loans at 1.77% of loans (+41 bps YoY), with net charge-offs at 0.01%.
  • 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 (quarter, annualized)

0.99%+70 bps YoY

Net Interest Margin (quarter, annualized)

3.23%+31 bps YoY

Efficiency Ratio (quarter, annualized)

72.42%-1,155 bps YoY

Tier 1 Leverage Ratio

11.88%+36 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.29%0.59%0.38%0.34%0.99%+70 bps
Return on Equity3.02%6.02%3.76%3.38%9.79%+677 bps
Net Interest Margin2.92%2.95%3.02%3.15%3.23%+31 bps
Efficiency Ratio83.97%73.72%79.43%78.38%72.42%-1,155 bps
Non-Interest Burden2.42%2.08%2.35%2.42%2.23%-19 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 / Loans0.05%0.03%0.10%0.15%0.01%-4 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