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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

5.26%Q2 ’245.36%Q2 ’255.59%Q2 ’260%-11%

Non-interest income vs. expense

12.67%Q2 ’2411.20%Q2 ’256.10%Q2 ’26+75%+193%

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 2.22%, down 261 bps year over year; NIM at 4.48%.
  • Asset quality: problem loans at 0.59% of loans (-50 bps YoY), with net charge-offs at 0.00%.
  • 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 (quarter, annualized)

2.22%-261 bps YoY

Net Interest Margin (quarter, annualized)

4.48%-57 bps YoY

Efficiency Ratio (quarter, annualized)

66.84%+407 bps YoY

Tier 1 Leverage Ratio

11.81%-879 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets4.83%3.59%2.75%1.99%2.22%-261 bps
Return on Equity23.38%17.96%14.92%13.88%17.47%-591 bps
Net Interest Margin5.05%4.65%4.56%4.86%4.48%-57 bps
Efficiency Ratio62.77%67.62%72.09%74.49%66.84%+407 bps
Non-Interest Burden-1.60%-0.47%0.98%1.59%1.49%+310 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 / Loans0.30%-0.06%-0.01%-0.07%0.00%-30 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