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Kinmundy Bank

Kinmundy, IL · Cert 3805 · South Central Bcorp Inc.

State charter, Fed member · FED · 1 branch

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=146 to 148). 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

83

Q2 2024Q2 2026peer median (50)

Asset Quality

36

Q2 2024Q2 2026peer median (50)

Profitability

91

Q2 2024Q2 2026peer median (50)

Liquidity

85

Q2 2024Q2 2026peer median

Efficiency

100

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

Kinmundy Bank

Kinmundy, IL · Cert 3805 · South Central Bcorp Inc.

State charter, Fed member · FED · 1 branch

Q2 2026

$80.1MAssets
$50.9MLoans
$69.0MDeposits
$10.9MEquity
Loan mix
66%RE $29.4M8%C&I $3.4M26%Consumer $11.8MQ2 2025Q2 2026
Deposit mix
73%Interest-bearing $50.3M27%Noninterest $18.7MQ2 2025Q2 2026

NIM

5.23%Q2 ’245.46%Q2 ’255.55%Q2 ’26+6%-3%

Non-interest income vs. expense

1.98%Q2 ’241.84%Q2 ’251.72%Q2 ’26-7%+1%

Executive Summary

  • Earnings: ROA of 2.14%, down 30 bps year over year; NIM at 4.25%.
  • Asset quality: problem loans at 0.67% of loans (-4 bps YoY), with net charge-offs at 0.06%.
  • Capital: tier 1 leverage ratio of 13.04%, up 4 bps from a year ago.
  • Funding: loans stand at 73.72% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.14%-30 bps YoY

Net Interest Margin (YTD, annualized)

4.25%-15 bps YoY

Efficiency Ratio (YTD, annualized)

37.41%-40 bps YoY

Tier 1 Leverage Ratio

13.04%+4 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.43%2.58%2.46%2.11%2.14%-30 bps
Return on Equity17.83%18.69%17.80%15.16%15.45%-238 bps
Net Interest Margin4.40%4.30%4.28%4.23%4.25%-15 bps
Efficiency Ratio37.81%34.28%36.27%36.72%37.41%-40 bps
Non-Interest Burden1.28%0.92%1.08%1.26%1.29%+1 bps
Growth
Asset Growth (YoY)5.21%8.32%11.54%9.88%16.32%+1,111 bps
Loan Growth (YoY)5.42%8.08%7.54%6.95%7.68%+225 bps
Deposit Growth (YoY)4.33%7.57%12.95%9.33%16.91%+1,258 bps
Asset Quality
Nonperforming Loans / Loans0.71%0.42%0.69%0.65%0.67%-4 bps
Net Charge-Offs / Loans0.06%0.15%0.09%0.14%0.06%0 bps
Allowance / Loans0.85%0.80%0.81%0.82%0.79%-6 bps
Allowance Coverage of NPLs1.2x1.9x1.2x1.3x1.2x0.0x
Capital
Tier 1 Leverage Ratio13.00%13.24%12.83%12.93%13.04%+4 bps
Total Risk-Based Capital21.34%21.70%22.03%22.81%22.36%+103 bps
Equity / Assets14.07%14.17%13.92%13.92%13.64%-43 bps
Liquidity & Funding
Loans / Deposits80.04%78.60%77.90%74.53%73.72%-632 bps
Liquid Assets / Assets1.69%1.61%1.58%1.53%1.46%-23 bps
CRE / Total Capitaln/a52.75%48.20%48.34%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

Kinmundy Bank

Kinmundy, IL · Cert 3805 · Peer group: banks under $1B in assets in IL (n=146-148) · South Central Bcorp Inc.

State charter, Fed member · FED · 1 branch

Q2 2026

$80.1MAssets
$50.9MLoans
$69.0MDeposits
$10.9MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 100% of banks under $1B in assets in IL (rank 1 of 148).
  • Widest gap: net charge-offs / loans trails 77% of banks under $1B in assets in IL (rank 113 of 146).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

2.04%

Rank 6 of 148

Net Interest Margin

4.25%

Rank 17 of 148

Efficiency Ratio

37.41%

Rank 1 of 148

Equity / Assets

13.64%

Rank 26 of 148

Non-interest income vs. expense

$0.3M$1.4MINCOMEEXPENSE
Unfavorable gap of $1.0M · efficiency ratio beats 100% of banks under $1B in assets in IL
Bank 37.41%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.04%0.74%1.04%1.35%Beats 96%6 / 148
Return on Equity14.98%6.82%9.34%12.94%Beats 87%19 / 148
Net Interest Margin4.25%3.04%3.45%3.85%Beats 89%17 / 148
Efficiency Ratio37.41%54.64%64.64%72.22%Beats 100%1 / 148
Asset Quality
Nonperforming Loans / Loans0.67%0.20%0.66%1.77%Beats 49%75 / 146
Net Charge-Offs / Loans0.08%0.00%0.02%0.07%Beats 23%113 / 146
Capital
Tier 1 Capital Ratio21.50%11.87%14.21%19.02%Beats 83%25 / 148
Total Risk-Based Capital Ratio22.36%12.22%14.72%19.93%Beats 84%24 / 148
Equity / Assets13.64%9.29%10.67%12.50%Beats 82%26 / 148
Liquidity & Funding
Loans / Deposits73.72%54.39%71.02%80.75%57th pctl63 / 146
Loans / Assets63.53%46.03%61.31%68.01%55th pctl67 / 148
Brokered Deposits / Depositsn/aNot reported for this institution