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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

$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

4.91%Q2 ’245.08%Q2 ’254.56%Q2 ’26+2%+2%

Non-interest income vs. expense

2.52%Q2 ’242.38%Q2 ’252.42%Q2 ’26-5%-1%

Executive Summary

  • Earnings: ROA of 1.11%, down 10 bps year over year; NIM at 3.53%.
  • 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 (quarter, annualized)

1.11%-10 bps YoY

Net Interest Margin (quarter, annualized)

3.53%+8 bps YoY

Efficiency Ratio (quarter, annualized)

58.63%-94 bps YoY

Tier 1 Leverage Ratio

17.72%+292 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.20%0.85%1.19%1.16%1.11%-10 bps
Return on Equity9.76%6.36%8.12%7.47%7.06%-270 bps
Net Interest Margin3.45%3.12%3.46%3.42%3.53%+8 bps
Efficiency Ratio59.57%68.56%70.94%69.21%58.63%-94 bps
Non-Interest Burden1.84%1.96%2.29%2.20%1.83%-1 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 / Loans0.58%0.12%-0.09%0.00%0.00%-58 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