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State Bank of St. Jacob

Saint Jacob, IL · Cert 5730

FDIC · 2 branches

Q4 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the St. Louis, MO-IL area3

Basis

Quarter: Q4 2025, the quarter ended December 31, 2025, 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 the St. Louis, MO-IL area (n=39 to 41). 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

75

Q2 2024Q4 2025peer median (50)

Asset Quality

18

Q2 2024Q4 2025peer median (50)

Profitability

75

Q2 2024Q4 2025peer median (50)

Liquidity

17

Q2 2024Q4 2025peer median

Efficiency

100

Q2 2024Q4 2025peer 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

State Bank of St. Jacob

Saint Jacob, IL · Cert 5730

FDIC · 2 branches

Q4 2025

$87.6MAssets
$42.3MLoans
$73.8MDeposits
$13.7MEquity
Loan mix
50%RE $20.8M10%C&I $4.3M40%Consumer $16.6MQ4 2024Q4 2025
Deposit mix
71%Interest-bearing $52.5M29%Noninterest $21.4MQ4 2024Q4 2025

NIM

3.96%Q4 ’234.56%Q4 ’244.91%Q4 ’25+7%+11%

Non-interest income vs. expense

1.60%Q4 ’231.57%Q4 ’241.57%Q4 ’25-1%-29%

Market Position · St. Louis, MO-IL · 2025 SOD (annual) · 0.1% share · #83 of 114 inst. · $0.1B of $134.5B

Executive Summary

  • Earnings: ROA of 1.45%, up 85 bps year over year; NIM at 3.74%.
  • Asset quality: problem loans at 1.95% of loans (+100 bps YoY), with net charge-offs at 1.62%.
  • Capital: tier 1 leverage ratio of 15.67%, up 105 bps from a year ago.
  • Funding: loans stand at 57.30% of deposits as of Q4 2025.

Financial Results

Return on Assets (YTD, annualized)

1.45%+85 bps YoY

Net Interest Margin (YTD, annualized)

3.74%+38 bps YoY

Efficiency Ratio (YTD, annualized)

36.43%-840 bps YoY

Tier 1 Leverage Ratio

15.67%+105 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets0.60%1.12%1.27%0.96%1.45%+85 bps
Return on Equity4.41%8.22%9.23%6.82%10.10%+569 bps
Net Interest Margin3.36%3.51%3.58%3.68%3.74%+38 bps
Efficiency Ratio44.82%36.64%36.65%37.50%36.43%-840 bps
Non-Interest Burden1.43%1.21%1.24%1.30%1.01%-42 bps
Growth
Asset Growth (YoY)7.76%6.00%6.32%4.03%-1.15%-891 bps
Loan Growth (YoY)-0.24%-2.87%-6.09%-9.80%-11.19%-1,095 bps
Deposit Growth (YoY)7.69%5.61%5.55%3.43%-3.59%-1,128 bps
Asset Quality
Nonperforming Loans / Loans0.94%1.06%1.87%2.03%1.95%+100 bps
Net Charge-Offs / Loans2.42%0.97%0.68%1.70%1.62%-80 bps
Allowance / Loans2.64%2.89%3.24%3.43%3.24%+60 bps
Allowance Coverage of NPLs2.8x2.7x1.7x1.7x1.7x-1.1x
Capital
Tier 1 Leverage Ratio14.61%14.51%14.57%14.70%15.67%+105 bps
Total Risk-Based Capital14.61%14.51%14.57%14.70%15.67%+105 bps
Equity / Assets13.43%13.86%14.02%14.73%15.58%+215 bps
Liquidity & Funding
Loans / Deposits62.20%60.60%57.10%58.49%57.30%-490 bps
Liquid Assets / Assets3.62%3.60%3.24%3.38%3.10%-52 bps
CRE / Total Capitaln/an/an/a62.61%56.80%n/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

State Bank of St. Jacob

Saint Jacob, IL · Cert 5730 · Peer group: banks under $1B in assets in the St. Louis, MO-IL area (n=39-41)

FDIC · 2 branches

Q4 2025

$87.6MAssets
$42.3MLoans
$73.8MDeposits
$13.7MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 100% of banks under $1B in assets in the St. Louis, MO-IL area (rank 1 of 41).
  • Widest gap: nonperforming loans / loans trails 82% of banks under $1B in assets in the St. Louis, MO-IL area (rank 33 of 39).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.47%

Rank 5 of 41

Net Interest Margin

3.74%

Rank 7 of 41

Efficiency Ratio

36.43%

Rank 1 of 41

Equity / Assets

15.58%

Rank 5 of 41

Non-interest income vs. expense

$0.5M$1.4MINCOMEEXPENSE
Unfavorable gap of $0.9M · efficiency ratio beats 100% of banks under $1B in assets in the St. Louis, MO-IL area
Bank 36.43%Peer median 64.8%Q2 2024Q4 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.47%0.62%0.94%1.16%Beats 88%5 / 41
Return on Equity9.42%6.56%8.56%11.10%Beats 54%19 / 41
Net Interest Margin3.74%2.76%3.15%3.46%Beats 83%7 / 41
Efficiency Ratio36.43%57.04%64.80%75.42%Beats 100%1 / 41
Asset Quality
Nonperforming Loans / Loans1.95%0.14%0.54%1.91%Beats 18%33 / 39
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio15.67%10.57%12.39%16.40%Beats 68%13 / 41
Total Risk-Based Capital Ratio15.67%11.65%13.39%17.06%Beats 68%13 / 41
Equity / Assets15.58%8.56%9.50%11.75%Beats 88%5 / 41
Liquidity & Funding
Loans / Deposits57.30%65.08%78.65%96.48%13th pctl34 / 39
Loans / Assets48.28%54.17%68.63%76.72%13th pctl34 / 39
Brokered Deposits / Deposits0.00%n/an/a2.67%Beats 100%27 / 41