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Southern Illinois Bank

Johnston City, IL · Cert 35229 · Southern IL Bancshares Inc.

State charter, non-member · FDIC · 5 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

76

Q2 2024Q2 2026peer median (50)

Asset Quality

52

Q2 2024Q2 2026peer median (50)

Profitability

48

Q2 2024Q2 2026peer median (50)

Liquidity

72

Q2 2024Q2 2026peer median

Efficiency

54

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

Southern Illinois Bank

Johnston City, IL · Cert 35229 · Southern IL Bancshares Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$136.5MAssets
$73.5MLoans
$114.1MDeposits
$21.7MEquity
Loan mix
82%RE $54.9M16%C&I $10.8M2%Consumer $1.6MQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $80.7M29%Noninterest $33.4MQ2 2025Q2 2026

NIM

4.88%Q2 ’244.98%Q2 ’254.52%Q2 ’26-3%+5%

Non-interest income vs. expense

2.52%Q2 ’242.37%Q2 ’252.59%Q2 ’26-5%+8%

Executive Summary

  • Earnings: ROA of 1.13%, up 4 bps year over year; NIM at 3.47%.
  • Asset quality: problem loans at 4.75% of loans (-57 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 17.72%, up 292 bps from a year ago.
  • Funding: loans stand at 64.43% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.13%+4 bps YoY

Net Interest Margin (YTD, annualized)

3.47%+15 bps YoY

Efficiency Ratio (YTD, annualized)

63.82%+201 bps YoY

Tier 1 Leverage Ratio

17.72%+292 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.10%1.02%1.06%1.16%1.13%+4 bps
Return on Equity9.06%8.11%8.12%7.47%7.26%-180 bps
Net Interest Margin3.32%3.36%3.53%3.42%3.47%+15 bps
Efficiency Ratio61.81%63.93%65.65%69.21%63.82%+201 bps
Non-Interest Burden1.86%1.95%2.12%2.20%2.01%+15 bps
Growth
Asset Growth (YoY)5.73%-2.06%-12.37%-11.67%-11.69%-1,741 bps
Loan Growth (YoY)-1.44%-5.92%-14.52%-20.80%-16.68%-1,524 bps
Deposit Growth (YoY)4.73%-4.22%-5.61%-4.27%-11.28%-1,601 bps
Asset Quality
Nonperforming Loans / Loans5.32%4.47%4.70%5.17%4.75%-57 bps
Net Charge-Offs / Loans0.31%0.25%0.18%0.00%0.00%-31 bps
Allowance / Loans1.01%1.04%1.15%1.30%1.34%+32 bps
Allowance Coverage of NPLs0.2x0.2x0.2x0.3x0.3x+0.1x
Capital
Tier 1 Leverage Ratio14.80%15.69%16.90%17.77%17.72%+292 bps
Total Risk-Based Capital14.80%15.69%16.90%17.77%17.72%+292 bps
Equity / Assets12.68%13.94%15.53%15.47%15.88%+319 bps
Liquidity & Funding
Loans / Deposits68.61%70.86%70.27%63.41%64.43%-418 bps
Liquid Assets / Assets1.13%1.01%1.08%1.08%0.91%-22 bps
CRE / Total Capitaln/a147.40%153.25%141.81%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

Southern Illinois Bank

Johnston City, IL · Cert 35229 · Peer group: banks under $1B in assets in IL (n=149-151) · Southern IL Bancshares Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$136.5MAssets
$73.5MLoans
$114.1MDeposits
$21.7MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in IL (rank 27 of 149).
  • Widest gap: nonperforming loans / loans trails 96% of banks under $1B in assets in IL (rank 144 of 149).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.14%

Rank 62 of 151

Net Interest Margin

3.47%

Rank 70 of 151

Efficiency Ratio

63.82%

Rank 71 of 151

Equity / Assets

15.88%

Rank 15 of 151

Non-interest income vs. expense

$0.8M$3.6MINCOMEEXPENSE
Unfavorable gap of $2.8M · efficiency ratio beats 54% of banks under $1B in assets in IL
Bank 63.82%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.14%0.70%1.03%1.34%Beats 59%62 / 151
Return on Equity7.20%6.74%9.34%12.94%Beats 30%106 / 151
Net Interest Margin3.47%3.02%3.43%3.83%Beats 54%70 / 151
Efficiency Ratio63.82%54.64%64.89%72.50%Beats 54%71 / 151
Asset Quality
Nonperforming Loans / Loans4.75%0.20%0.66%1.77%Beats 4%144 / 149
Net Charge-Offs / Loans0.00%0.00%0.02%0.07%Beats 100%27 / 149
Capital
Tier 1 Capital Ratio17.72%11.83%14.17%18.66%Beats 70%46 / 151
Total Risk-Based Capital Ratio17.72%12.22%14.54%19.92%Beats 69%47 / 151
Equity / Assets15.88%9.10%10.65%12.40%Beats 90%15 / 151
Liquidity & Funding
Loans / Deposits64.43%54.39%71.02%80.75%36th pctl96 / 149
Loans / Assets53.87%45.91%61.31%68.01%38th pctl93 / 151
Brokered Deposits / Depositsn/aNot reported for this institution