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Scott State Bank

Bethany, IL · Cert 8491 · Scott Bancshares Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

$203.5MAssets
$117.8MLoans
$178.0MDeposits
$23.8MEquity
Loan mix
72%RE $79.5M25%C&I $27.2M4%Consumer $4.1MQ2 2025Q2 2026
Deposit mix
76%Interest-bearing $134.4M24%Noninterest $43.5MQ2 2025Q2 2026

NIM

3.85%Q2 ’244.26%Q2 ’254.44%Q2 ’26+14%+13%

Non-interest income vs. expense

2.51%Q2 ’242.69%Q2 ’252.88%Q2 ’26+10%+8%

Market Position · Decatur, IL · 2026 SOD (annual) · 3.8% share · #8 of 13 inst. · $0.1B of $2.3B

24.5% Moultrie
3.8% Macon

Executive Summary

  • Earnings: ROA of 0.88%, up 20 bps year over year; NIM at 3.53%.
  • Asset quality: problem loans at 0.24% of loans (-6 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 13.67%, up 55 bps from a year ago.
  • Funding: loans stand at 66.18% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.88%+20 bps YoY

Net Interest Margin (YTD, annualized)

3.53%+40 bps YoY

Efficiency Ratio (YTD, annualized)

70.82%-264 bps YoY

Tier 1 Leverage Ratio

13.67%+55 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.68%0.73%0.72%0.87%0.88%+20 bps
Return on Equity7.02%7.34%6.99%7.63%7.65%+63 bps
Net Interest Margin3.13%3.19%3.30%3.48%3.53%+40 bps
Efficiency Ratio73.47%71.13%72.14%72.21%70.82%-264 bps
Non-Interest Burden2.16%2.10%2.22%2.37%2.34%+18 bps
Growth
Asset Growth (YoY)3.09%-1.83%-6.10%-2.31%-3.08%-617 bps
Loan Growth (YoY)11.96%5.77%-1.18%-2.04%-1.49%-1,345 bps
Deposit Growth (YoY)-0.89%-0.15%0.59%1.40%0.89%+177 bps
Asset Quality
Nonperforming Loans / Loans0.30%0.43%1.49%0.50%0.24%-6 bps
Net Charge-Offs / Loans0.39%0.34%0.26%0.05%0.03%-36 bps
Allowance / Loans0.93%0.97%1.00%1.03%1.08%+15 bps
Allowance Coverage of NPLs3.1x2.2x0.7x2.1x4.4x+1.3x
Capital
Tier 1 Leverage Ratio13.11%13.08%13.45%13.63%13.67%+55 bps
Total Risk-Based Capital13.11%13.08%13.45%13.63%13.67%+55 bps
Equity / Assets10.45%10.93%11.55%11.34%11.72%+126 bps
Liquidity & Funding
Loans / Deposits67.78%65.51%68.18%63.89%66.18%-160 bps
Liquid Assets / Assets1.95%2.23%1.83%5.94%2.33%+37 bps
CRE / Total Capitaln/a133.55%129.37%121.47%n/an/a