State Bank of India

Chicago, IL · Cert 33664

Savings association · FDIC · 1 branch

Q1 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2

Part 2Peer Comparison, banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area3

Basis

Quarter: Q1 2026, the quarter ended March 31, 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 $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=32). 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

No peer data yet

Asset Quality

No peer data yet

Profitability

No peer data yet

Liquidity

Efficiency

No peer data yet

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.

State Bank of India

Chicago, IL · Cert 33664

Savings association · FDIC · 1 branch

Q1 2026

$4.4BAssets

$4.2BLoans

$3.4BDeposits

n/aEquity

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.5% share · #24 of 147 inst. · $3.3B of $630.7B

Executive Summary

Asset quality: problem loans at 0.00% of loans (0 bps YoY).
Funding: loans stand at 125.49% of deposits as of Q1 2026.

Return on Assets (YTD, annualized)

n/a

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q2 2010	Q3 2010	Q4 2010	Q1 2011	Q2 2011	Q3 2011	Q4 2011	Q1 2026	YoY Δ	Trend
Earnings
Return on Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	n/a	n/a
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	60.74%	72.11%	92.13%	58.61%	21.21%	-8.65%	5.55%	226%	+16,786 bps
Loan Growth (YoY)	57.48%	59.18%	93.29%	53.02%	21.89%	-3.65%	6.10%	254%	+20,120 bps
Deposit Growth (YoY)	103.15%	108.66%	71.79%	-6.74%	-14.06%	-20.22%	15.15%	323%	+32,928 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Liquidity & Funding
Loans / Deposits	101.62%	108.92%	136.33%	149.70%	144.13%	131.54%	125.62%	125.49%	-2,421 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a

State Bank of India

Chicago, IL · Cert 33664 · Peer group: banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=32)

Savings association · FDIC · 1 branch

Q1 2026

$4.4BAssets

$4.2BLoans

$3.4BDeposits

n/aEquity

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank	8-Qtr Trend
Earnings
Return on Assets	n/a	Not reported for this institution
Return on Equity	n/a	Not reported for this institution
Net Interest Margin	n/a	Not reported for this institution
Efficiency Ratio	n/a	Not reported for this institution
Asset Quality
Nonperforming Loans / Loans	n/a	Not reported for this institution
Net Charge-Offs / Loans	n/a	Not reported for this institution
Capital
Tier 1 Capital Ratio	n/a	Not reported for this institution
Total Risk-Based Capital Ratio	n/a	Not reported for this institution
Equity / Assets	n/a	Not reported for this institution
Liquidity & Funding
Loans / Deposits	125.49%	81.61%	89.31%	94.95%	94th pctl	2 / 32	n/a
Loans / Assets	95.14%	69.59%	74.18%	77.47%	97th pctl	1 / 32	n/a
Brokered Deposits / Deposits	n/a	Not reported for this institution