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Casey State Bank

Casey, IL · Cert 3614 · Eagle Financial Corp.

State charter, non-member · 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

24

Q2 2024Q2 2026peer median (50)

Asset Quality

40

Q2 2024Q2 2026peer median (50)

Profitability

77

Q2 2024Q2 2026peer median (50)

Liquidity

6

Q2 2024Q2 2026peer median

Efficiency

81

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

Casey State Bank

Casey, IL · Cert 3614 · Eagle Financial Corp.

State charter, non-member · FDIC · 6 branches

Q2 2026

$496.7MAssets
$391.5MLoans
$442.8MDeposits
$51.7MEquity
Loan mix
62%RE $190.2M27%C&I $81.3M11%Consumer $33.8MQ2 2025Q2 2026
Deposit mix
85%Interest-bearing $378.2M15%Noninterest $64.6MQ2 2025Q2 2026

NIM

5.40%Q2 ’245.84%Q2 ’255.79%Q2 ’26+20%+3%

Non-interest income vs. expense

2.05%Q2 ’242.22%Q2 ’252.30%Q2 ’26+3%+5%

Executive Summary

  • Earnings: ROA of 1.35%, down 12 bps year over year; NIM at 3.92%.
  • Asset quality: problem loans at 1.02% of loans (+75 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 10.99%, up 9 bps from a year ago.
  • Funding: loans stand at 88.41% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.35%-12 bps YoY

Net Interest Margin (YTD, annualized)

3.92%+12 bps YoY

Efficiency Ratio (YTD, annualized)

52.90%+48 bps YoY

Tier 1 Leverage Ratio

10.99%+9 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.46%1.48%1.46%1.40%1.35%-12 bps
Return on Equity15.31%15.25%14.81%13.46%12.97%-234 bps
Net Interest Margin3.80%3.82%3.89%3.99%3.92%+12 bps
Efficiency Ratio52.42%51.94%51.96%53.94%52.90%+48 bps
Non-Interest Burden1.79%1.77%1.81%1.95%1.88%+9 bps
Growth
Asset Growth (YoY)-0.47%0.12%1.25%6.25%3.08%+355 bps
Loan Growth (YoY)2.51%4.40%3.03%3.87%5.31%+280 bps
Deposit Growth (YoY)-1.47%-0.82%-0.05%5.58%2.21%+368 bps
Asset Quality
Nonperforming Loans / Loans0.27%0.31%0.25%0.50%1.02%+75 bps
Net Charge-Offs / Loans0.07%0.08%0.10%0.01%0.02%-5 bps
Allowance / Loans1.62%1.66%1.69%1.76%1.87%+25 bps
Allowance Coverage of NPLs6.0x5.4x6.7x3.5x1.8x-4.2x
Capital
Tier 1 Leverage Ratio10.90%10.94%11.11%11.49%10.99%+9 bps
Total Risk-Based Capital10.90%10.94%11.11%11.49%10.99%+9 bps
Equity / Assets9.63%10.12%10.40%10.38%10.40%+77 bps
Liquidity & Funding
Loans / Deposits85.81%86.89%88.58%85.02%88.41%+260 bps
Liquid Assets / Assets1.07%1.07%1.08%1.04%1.07%+1 bps
CRE / Total Capitaln/a210%205%199.96%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

Casey State Bank

Casey, IL · Cert 3614 · Peer group: banks under $1B in assets in IL (n=149-151) · Eagle Financial Corp.

State charter, non-member · FDIC · 6 branches

Q2 2026

$496.7MAssets
$391.5MLoans
$442.8MDeposits
$51.7MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 81% of banks under $1B in assets in IL (rank 29 of 151).
  • Widest gap: total risk-based capital ratio trails 89% of banks under $1B in assets in IL (rank 134 of 151).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.35%

Rank 37 of 151

Net Interest Margin

3.92%

Rank 29 of 151

Efficiency Ratio

52.90%

Rank 29 of 151

Equity / Assets

10.40%

Rank 83 of 151

Non-interest income vs. expense

$2.1M$11.6MINCOMEEXPENSE
Unfavorable gap of $9.4M · efficiency ratio beats 81% of banks under $1B in assets in IL
Bank 52.90%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.35%0.70%1.03%1.34%Beats 75%37 / 151
Return on Equity12.94%6.74%9.34%12.94%Beats 75%38 / 151
Net Interest Margin3.92%3.02%3.43%3.83%Beats 81%29 / 151
Efficiency Ratio52.90%54.64%64.89%72.50%Beats 81%29 / 151
Asset Quality
Nonperforming Loans / Loans1.02%0.20%0.66%1.77%Beats 40%90 / 149
Net Charge-Offs / Loans0.03%0.00%0.02%0.07%Beats 40%90 / 149
Capital
Tier 1 Capital Ratio10.99%11.83%14.17%18.66%Beats 15%129 / 151
Total Risk-Based Capital Ratio10.99%12.22%14.54%19.92%Beats 11%134 / 151
Equity / Assets10.40%9.10%10.65%12.40%Beats 45%83 / 151
Liquidity & Funding
Loans / Deposits88.41%54.39%71.02%80.75%88th pctl18 / 149
Loans / Assets78.82%45.91%61.31%68.01%94th pctl9 / 151
Brokered Deposits / Depositsn/aNot reported for this institution