PackageTrendsPeer
Letter portraitLegal landscape

Servbank, National Association

Oswego, IL · Cert 55130 · Servbanc Holdco Inc.

National charter · OCC · 8 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area3

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 $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=31). 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

60

Q2 2024Q2 2026peer median (50)

Asset Quality

63

Q2 2024Q2 2026peer median (50)

Profitability

77

Q2 2024Q2 2026peer median (50)

Liquidity

100

Q2 2024Q2 2026peer median

Efficiency

16

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

Servbank, National Association

Oswego, IL · Cert 55130 · Servbanc Holdco Inc.

National charter · OCC · 8 branches

Q2 2026

$1.7BAssets
$1.1BLoans
$1.2BDeposits
$221.3MEquity
Loan mix
93%RE $1.0B7%C&I $0.1B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
64%Interest-bearing $777.4M36%Noninterest $442.7MQ2 2025Q2 2026

NIM

4.86%Q2 ’244.86%Q2 ’254.66%Q2 ’26-1%-17%

Non-interest income vs. expense

13.67%Q2 ’2410.62%Q2 ’256.16%Q2 ’26+72%+175%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.1% share · #67 of 147 inst. · $0.5B of $630.7B

18.5% Kendall
24.5% Vermilion
18.8% Iroquois
2.7% Kankakee

Executive Summary

  • Earnings: ROA of 2.21%, down 252 bps year over year; NIM at 3.85%.
  • Asset quality: problem loans at 0.59% of loans (-50 bps YoY), with net recoveries of 0.04%.
  • Capital: tier 1 leverage ratio of 11.81%, down 879 bps from a year ago.
  • Funding: loans stand at 87.67% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.21%-252 bps YoY

Net Interest Margin (YTD, annualized)

3.85%-76 bps YoY

Efficiency Ratio (YTD, annualized)

70.51%+775 bps YoY

Tier 1 Leverage Ratio

11.81%-879 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets4.73%4.28%3.92%1.99%2.21%-252 bps
Return on Equity22.63%21.00%19.79%13.88%15.96%-667 bps
Net Interest Margin4.62%4.34%4.23%4.86%3.85%-76 bps
Efficiency Ratio62.76%64.41%66.14%74.49%70.51%+775 bps
Non-Interest Burden-1.70%-1.19%-0.60%1.59%1.28%+298 bps
Growth
Asset Growth (YoY)17.44%22.18%21.79%88.29%82.49%+6,505 bps
Loan Growth (YoY)87.28%117.71%105.17%289%190.23%+10,296 bps
Deposit Growth (YoY)15.57%25.99%39.66%144.85%123.20%+10,763 bps
Asset Quality
Nonperforming Loans / Loans1.09%0.82%0.50%0.48%0.59%-50 bps
Net Charge-Offs / Loans0.14%0.06%0.04%-0.07%-0.04%-18 bps
Allowance / Loans1.21%1.21%1.07%1.63%1.03%-19 bps
Allowance Coverage of NPLs1.1x1.5x2.2x3.4x1.7x+0.6x
Capital
Tier 1 Leverage Ratio20.61%19.60%15.82%16.43%11.81%-879 bps
Total Risk-Based Capital20.61%19.60%15.82%16.43%11.81%-879 bps
Equity / Assets21.04%19.10%17.70%12.40%13.00%-803 bps
Liquidity & Funding
Loans / Deposits67.43%70.26%84.95%92.36%87.67%+2,025 bps
Liquid Assets / Assets35.21%36.45%27.04%10.80%14.47%-2,073 bps
CRE / Total Capitaln/a134.69%197.19%373%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

Servbank, National Association

Oswego, IL · Cert 55130 · Peer group: banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=31) · Servbanc Holdco Inc.

National charter · OCC · 8 branches

Q2 2026

$1.7BAssets
$1.1BLoans
$1.2BDeposits
$221.3MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 87% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 4 of 31).
  • Widest gap: efficiency ratio trails 84% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 27 of 31).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.91%

Rank 4 of 31

Net Interest Margin

3.85%

Rank 7 of 31

Efficiency Ratio

71.08%

Rank 27 of 31

Equity / Assets

13.00%

Rank 4 of 31

Non-interest income vs. expense

$81.0M$102.3MINCOMEEXPENSE
Unfavorable gap of $21.3M · efficiency ratio beats 16% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 71.08%Peer median 50.7%Q3 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.91%1.15%1.39%1.64%Beats 87%4 / 31
Return on Equity14.68%11.05%13.35%16.66%Beats 68%10 / 31
Net Interest Margin3.85%3.00%3.28%3.75%Beats 77%7 / 31
Efficiency Ratio71.08%37.25%50.71%61.60%Beats 16%27 / 31
Asset Quality
Nonperforming Loans / Loans0.59%0.18%0.41%1.00%Beats 42%19 / 31
Net Charge-Offs / Loans0.00%0.00%0.04%0.11%Beats 84%6 / 31
Capital
Tier 1 Capital Ratio11.81%10.88%11.50%13.72%Beats 55%14 / 31
Total Risk-Based Capital Ratio11.81%11.53%12.02%14.77%Beats 39%19 / 31
Equity / Assets13.00%8.90%10.15%11.24%Beats 87%4 / 31
Liquidity & Funding
Loans / Deposits87.67%80.56%87.67%94.53%48th pctl16 / 31
Loans / Assets62.87%67.81%73.77%76.85%3rd pctl30 / 31
Brokered Deposits / Depositsn/aNot reported for this institution