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Old Exchange National Bank of Okawville, The

Okawville, IL · Cert 3827 · Okawville Bancshares Inc.

National charter · OCC · 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=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

64

Q2 2024Q2 2026peer median (50)

Asset Quality

54

Q2 2024Q2 2026peer median (50)

Profitability

36

Q2 2024Q2 2026peer median (50)

Liquidity

4

Q2 2024Q2 2026peer median

Efficiency

74

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

Old Exchange National Bank of Okawville, The

Okawville, IL · Cert 3827 · Okawville Bancshares Inc.

National charter · OCC · 1 branch

Q2 2026

$91.3MAssets
$38.9MLoans
$80.1MDeposits
$7.7MEquity
Loan mix
94%RE $26.1M4%C&I $1.1M2%Consumer $0.6MQ3 2024Q2 2026
Deposit mix
82%Interest-bearing $65.7M18%Noninterest $14.4MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.90%, up 22 bps year over year; NIM at 2.54%.
  • Asset quality: problem loans at 0.19% of loans (-11 bps YoY), with net charge-offs at 0.10%.
  • Capital: tier 1 leverage ratio of 11.13%, down 26 bps from a year ago.
  • Funding: loans stand at 48.55% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.90%+22 bps YoY

Net Interest Margin (YTD, annualized)

2.54%+19 bps YoY

Efficiency Ratio (YTD, annualized)

55.42%-769 bps YoY

Tier 1 Leverage Ratio

11.13%-26 bps YoY

NIM

4.12%Q2 ’244.12%Q2 ’254.21%Q2 ’26-6%+8%

Non-interest income vs. expense

1.59%Q2 ’241.52%Q2 ’251.43%Q2 ’26-4%-5%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.66%0.68%0.71%0.68%0.70%0.75%0.94%0.90%+22 bps
Return on Equity9.89%10.26%10.47%9.84%9.58%10.04%11.43%10.85%+101 bps
Net Interest Margin2.34%2.30%2.35%2.35%2.39%2.34%2.58%2.54%+19 bps
Efficiency Ratio61.20%61.41%60.60%63.11%62.77%61.24%53.24%55.42%-769 bps
Non-Interest Burden1.40%1.39%1.40%1.46%1.48%1.42%1.35%1.39%-7 bps
Growth
Asset Growth (YoY)5.26%-0.73%8.87%4.12%0.79%11.77%4.83%9.85%+573 bps
Loan Growth (YoY)22.90%11.97%10.84%3.21%-2.50%5.02%6.49%9.62%+642 bps
Deposit Growth (YoY)0.33%-2.47%8.97%3.52%1.57%12.25%3.10%8.87%+534 bps
Asset Quality
Nonperforming Loans / Loans0.07%0.06%0.92%0.29%0.29%0.24%0.26%0.19%-11 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.10%+10 bps
Allowance / Loans1.10%1.05%1.14%1.16%1.14%1.01%1.09%1.02%-14 bps
Allowance Coverage of NPLs15.6x16.2x1.2x4.0x4.0x4.2x4.3x5.5x+1.5x
Capital
Tier 1 Leverage Ratio11.27%11.18%11.32%11.39%11.55%11.17%11.16%11.13%-26 bps
Total Risk-Based Capital22.33%22.00%22.93%23.56%23.23%21.36%20.49%23.15%-41 bps
Equity / Assets7.54%6.48%6.99%7.34%8.33%7.93%8.62%8.47%+114 bps
Liquidity & Funding
Loans / Deposits49.84%50.80%45.90%48.21%47.85%47.53%47.41%48.55%+34 bps
Liquid Assets / Assets3.33%5.34%8.35%4.03%6.55%10.78%7.23%3.38%-66 bps
CRE / Total Capitaln/an/an/an/a10.93%10.40%13.14%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

Old Exchange National Bank of Okawville, The

Okawville, IL · Cert 3827 · Peer group: banks under $1B in assets in IL (n=149-151) · Okawville Bancshares Inc.

National charter · OCC · 1 branch

Q2 2026

$91.3MAssets
$38.9MLoans
$80.1MDeposits
$7.7MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 86% of banks under $1B in assets in IL (rank 21 of 151).
  • Widest gap: net interest margin trails 95% of banks under $1B in assets in IL (rank 143 of 151).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.92%

Rank 91 of 151

Net Interest Margin

2.54%

Rank 143 of 151

Efficiency Ratio

55.42%

Rank 41 of 151

Equity / Assets

8.47%

Rank 120 of 151

Non-interest income vs. expense

$0.0M$1.4MINCOMEEXPENSE
Unfavorable gap of $1.3M · efficiency ratio beats 74% of banks under $1B in assets in IL
Bank 55.42%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.92%0.70%1.03%1.34%Beats 40%91 / 151
Return on Equity10.90%6.74%9.34%12.94%Beats 64%54 / 151
Net Interest Margin2.54%3.02%3.43%3.83%Beats 5%143 / 151
Efficiency Ratio55.42%54.64%64.89%72.50%Beats 74%41 / 151
Asset Quality
Nonperforming Loans / Loans0.19%0.20%0.66%1.77%Beats 77%35 / 149
Net Charge-Offs / Loans0.05%0.00%0.02%0.07%Beats 30%106 / 149
Capital
Tier 1 Capital Ratio22.27%11.83%14.17%18.66%Beats 86%21 / 151
Total Risk-Based Capital Ratio23.15%12.22%14.54%19.92%Beats 86%21 / 151
Equity / Assets8.47%9.10%10.65%12.40%Beats 21%120 / 151
Liquidity & Funding
Loans / Deposits48.55%54.39%71.02%80.75%13th pctl130 / 149
Loans / Assets42.59%45.91%61.31%68.01%14th pctl130 / 151
Brokered Deposits / Depositsn/aNot reported for this institution