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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 2.14%, 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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.95%1.83%2.58%2.43%2.58%2.46%2.11%2.14%-30 bps
Return on Equity15.01%13.97%19.23%17.83%18.69%17.80%15.16%15.45%-238 bps
Net Interest Margin4.13%4.17%4.40%4.40%4.30%4.28%4.23%4.25%-15 bps
Efficiency Ratio41.00%43.64%37.57%37.81%34.28%36.27%36.72%37.41%-40 bps
Non-Interest Burden1.28%1.44%1.20%1.28%0.92%1.08%1.26%1.29%+1 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 / Loans0.18%0.32%0.28%0.06%0.15%0.09%0.14%0.06%0 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