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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 $11.8MQ3 2024Q2 2026
Deposit mix
73%Interest-bearing $50.3M27%Noninterest $18.7MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 2.17%, down 10 bps year over year; NIM at 4.37%.
  • Asset quality: problem loans at 0.67% of loans (-4 bps YoY), with net recoveries of 0.01%.
  • 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.

Return on Assets (quarter, annualized)

2.17%-10 bps YoY

Net Interest Margin (quarter, annualized)

4.37%-8 bps YoY

Efficiency Ratio (quarter, annualized)

38.06%0 bps YoY

Tier 1 Leverage Ratio

13.04%+4 bps YoY

NIM

5.31%Q2 ’245.57%Q2 ’255.72%Q2 ’26+5%-2%

Non-interest income vs. expense

2.10%Q2 ’241.83%Q2 ’251.80%Q2 ’26-6%-2%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.17%1.44%2.58%2.26%2.88%2.12%2.11%2.17%-10 bps
Return on Equity16.06%10.63%19.23%16.42%20.37%15.08%15.16%15.72%-70 bps
Net Interest Margin4.27%4.31%4.40%4.45%4.34%4.60%4.23%4.37%-8 bps
Efficiency Ratio38.09%51.52%37.57%38.06%28.24%42.16%36.72%38.06%0 bps
Non-Interest Burden1.12%1.94%1.20%1.38%0.27%1.65%1.26%1.35%-3 bps
Growth
Asset Growth (YoY)-0.85%-0.46%5.12%5.21%8.32%11.54%9.88%16.32%+1,111 bps
Loan Growth (YoY)4.04%2.99%1.50%5.42%8.08%7.54%6.95%7.68%+225 bps
Deposit Growth (YoY)-3.15%-1.69%5.00%4.33%7.57%12.95%9.33%16.91%+1,258 bps
Asset Quality
Nonperforming Loans / Loans0.73%1.00%0.59%0.71%0.42%0.69%0.65%0.67%-4 bps
Net Charge-Offs / Loans0.34%0.74%0.28%-0.15%0.34%-0.08%0.14%-0.01%+14 bps
Allowance / Loans0.88%0.86%0.85%0.85%0.80%0.81%0.82%0.79%-6 bps
Allowance Coverage of NPLs1.2x0.9x1.4x1.2x1.9x1.2x1.3x1.2x0.0x
Capital
Tier 1 Leverage Ratio12.84%12.55%12.77%13.00%13.24%12.83%12.93%13.04%+4 bps
Total Risk-Based Capital20.55%20.28%21.32%21.34%21.70%22.03%22.81%22.36%+103 bps
Equity / Assets13.78%13.36%13.50%14.07%14.17%13.92%13.92%13.64%-43 bps
Liquidity & Funding
Loans / Deposits78.23%81.82%76.18%80.04%78.60%77.90%74.53%73.72%-632 bps
Liquid Assets / Assets1.74%1.76%1.68%1.69%1.61%1.58%1.53%1.46%-23 bps
CRE / Total Capitaln/an/an/an/a52.75%48.20%48.34%n/an/a