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Letter portraitLegal landscapeQuarterYTD

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