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State Bank of Davis

Davis, IL · Cert 5740

FDIC · 1 branch

Q1 2025

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: Q1 2025, the quarter ended March 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 IL (n=154 to 156). 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

30

Q2 2024Q1 2025peer median (50)

Asset Quality

70

Q2 2024Q1 2025peer median (50)

Profitability

35

Q2 2024Q1 2025peer median (50)

Liquidity

79

Q2 2024Q1 2025peer median

Efficiency

56

Q2 2024Q1 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 Davis

Davis, IL · Cert 5740

FDIC · 1 branch

Q1 2025

$171.4MAssets
$98.7MLoans
$150.7MDeposits
$15.6MEquity
Loan mix
72%RE $58.9M26%C&I $21.5M2%Consumer $1.3MQ2 2023Q1 2025
Deposit mix
88%Interest-bearing $132.2M12%Noninterest $18.5MQ2 2023Q1 2025

Executive Summary

  • Earnings: ROA of 0.78%, down 26 bps year over year; NIM at 2.46%.
  • Asset quality: problem loans at 0.79% of loans (+2 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 11.51%, up 30 bps from a year ago.
  • Funding: loans stand at 65.49% of deposits as of Q1 2025.

Return on Assets (YTD, annualized)

0.78%-26 bps YoY

Net Interest Margin (YTD, annualized)

2.46%-15 bps YoY

Efficiency Ratio (YTD, annualized)

64.11%+895 bps YoY

Tier 1 Leverage Ratio

11.51%+30 bps YoY

NIM

3.40%Q1 ’234.13%Q1 ’244.16%Q1 ’25+4%-6%

Non-interest income vs. expense

1.74%Q1 ’231.70%Q1 ’241.72%Q1 ’25-20%+22%

Year to date, annualized, through each quarter.

MetricQ2 2023Q3 2023Q4 2023Q1 2024Q2 2024Q3 2024Q4 2024Q1 2025YoY ΔTrend
Earnings
Return on Assets0.68%0.84%0.92%1.04%1.04%1.00%0.96%0.78%-26 bps
Return on Equity9.22%11.60%12.48%13.09%13.03%12.04%11.62%8.90%-418 bps
Net Interest Margin2.60%2.61%2.61%2.61%2.58%2.57%2.55%2.46%-15 bps
Efficiency Ratio61.36%58.46%57.78%55.16%55.57%57.10%58.11%64.11%+895 bps
Non-Interest Burden1.50%1.41%1.39%1.23%1.26%1.33%1.35%1.50%+27 bps
Growth
Asset Growth (YoY)1.62%1.54%3.15%1.08%4.77%4.48%1.75%-0.72%-180 bps
Loan Growth (YoY)24.66%11.10%12.08%10.91%12.93%13.28%6.22%0.15%-1,076 bps
Deposit Growth (YoY)-0.28%0.23%1.99%0.29%4.10%1.23%0.69%-2.37%-266 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.89%0.81%0.77%0.77%0.75%0.73%0.79%+2 bps
Net Charge-Offs / Loans2.25%1.51%1.04%-0.02%-0.02%-0.01%-0.01%-0.02%0 bps
Allowance / Loans1.66%1.69%1.51%1.49%1.44%1.47%1.48%1.55%+7 bps
Allowance Coverage of NPLs758.5x1.9x1.9x1.9x1.9x2.0x2.0x2.0x0.0x
Capital
Tier 1 Leverage Ratio10.81%10.84%10.94%11.20%11.13%11.20%11.23%11.51%+30 bps
Total Risk-Based Capital10.81%10.84%10.94%11.20%11.13%11.20%11.23%11.51%+30 bps
Equity / Assets7.34%6.82%8.03%7.93%8.08%9.04%8.40%9.13%+120 bps
Liquidity & Funding
Loans / Deposits60.10%58.49%61.99%63.84%65.19%65.46%65.39%65.49%+165 bps
Liquid Assets / Assets0.61%3.47%1.38%0.50%0.64%1.10%0.79%1.28%+78 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/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

State Bank of Davis

Davis, IL · Cert 5740 · Peer group: banks under $1B in assets in IL (n=154-156)

FDIC · 1 branch

Q1 2025

$171.4MAssets
$98.7MLoans
$150.7MDeposits
$15.6MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in IL (rank 61 of 154).
  • Widest gap: net interest margin trails 85% of banks under $1B in assets in IL (rank 133 of 156).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.79%

Rank 94 of 156

Net Interest Margin

2.46%

Rank 133 of 156

Efficiency Ratio

64.11%

Rank 70 of 156

Equity / Assets

9.13%

Rank 93 of 156

Non-interest income vs. expense

$0.4M$3.1MINCOMEEXPENSE
Unfavorable gap of $2.7M · efficiency ratio beats 56% of banks under $1B in assets in IL
Bank 64.11%Peer median 67.2%Q2 2024Q1 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.79%0.61%0.93%1.19%Beats 40%94 / 156
Return on Equity8.69%5.90%8.68%12.03%Beats 51%77 / 156
Net Interest Margin2.46%2.75%3.10%3.49%Beats 15%133 / 156
Efficiency Ratio64.11%58.94%67.23%77.57%Beats 56%70 / 156
Asset Quality
Nonperforming Loans / Loans0.79%0.13%0.50%1.45%Beats 40%93 / 154
Net Charge-Offs / Loans0.00%n/a0.00%0.02%Beats 100%61 / 154
Capital
Tier 1 Capital Ratio11.51%11.30%13.66%19.18%Beats 28%113 / 156
Total Risk-Based Capital Ratio11.51%11.67%14.05%20.23%Beats 22%121 / 156
Equity / Assets9.13%8.34%9.63%11.92%Beats 40%93 / 156
Liquidity & Funding
Loans / Deposits65.49%52.66%70.99%79.51%42nd pctl89 / 154
Loans / Assets57.60%46.87%60.57%67.70%46th pctl83 / 154
Brokered Deposits / Depositsn/aNot reported for this institution