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Hill-Dodge Banking Company

Warsaw, IL · Cert 9274

FDIC · 1 branch

Q3 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: Q3 2025, the quarter ended September 30, 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=150 to 152). 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

72

Q2 2024Q3 2025peer median (50)

Asset Quality

72

Q2 2024Q3 2025peer median (50)

Profitability

76

Q2 2024Q3 2025peer median (50)

Liquidity

0

Q2 2024Q3 2025peer median

Efficiency

96

Q2 2024Q3 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

Hill-Dodge Banking Company

Warsaw, IL · Cert 9274

FDIC · 1 branch

Q3 2025

$62.6MAssets
$22.7MLoans
$52.6MDeposits
$9.8MEquity
Loan mix
48%RE $8.4M43%C&I $7.6M10%Consumer $1.7MQ3 2024Q3 2025
Deposit mix
81%Interest-bearing $42.6M19%Noninterest $10.0MQ3 2024Q3 2025

NIM

4.10%Q3 ’234.65%Q3 ’244.59%Q3 ’25+1%-2%

Non-interest income vs. expense

1.64%Q3 ’231.76%Q3 ’241.70%Q3 ’25+7%-7%

Executive Summary

  • Earnings: ROA of 1.71%, up 21 bps year over year; NIM at 3.45%.
  • Asset quality: problem loans at 0.01% of loans (-2 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 16.15%, up 59 bps from a year ago.
  • Funding: loans stand at 43.13% of deposits as of Q3 2025.

Financial Results

Return on Assets (YTD, annualized)

1.71%+21 bps YoY

Net Interest Margin (YTD, annualized)

3.45%-6 bps YoY

Efficiency Ratio (YTD, annualized)

44.95%-137 bps YoY

Tier 1 Leverage Ratio

16.15%+59 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025YoY ΔTrend
Earnings
Return on Assets1.50%1.41%1.69%1.66%1.71%+21 bps
Return on Equity10.62%9.84%11.04%10.62%10.94%+32 bps
Net Interest Margin3.51%3.43%3.42%3.51%3.45%-6 bps
Efficiency Ratio46.32%51.65%44.34%46.02%44.95%-137 bps
Non-Interest Burden1.46%1.62%1.30%1.42%1.36%-10 bps
Growth
Asset Growth (YoY)5.74%4.44%5.30%3.98%4.01%-173 bps
Loan Growth (YoY)19.01%2.67%-0.23%4.61%-8.00%-2,701 bps
Deposit Growth (YoY)3.98%2.79%3.57%1.99%1.98%-200 bps
Asset Quality
Nonperforming Loans / Loans0.03%0.00%0.01%0.01%0.01%-2 bps
Net Charge-Offs / Loans0.01%0.02%0.05%0.02%-0.01%-2 bps
Allowance / Loans1.90%1.97%2.01%1.98%2.06%+17 bps
Allowance Coverage of NPLs58.5xn/a231.5x232.0x234.0x+175.5x
Capital
Tier 1 Leverage Ratio15.56%15.17%15.88%16.44%16.15%+59 bps
Total Risk-Based Capital15.56%15.17%15.88%16.44%16.15%+59 bps
Equity / Assets14.16%14.86%15.84%16.29%15.70%+154 bps
Liquidity & Funding
Loans / Deposits47.81%47.80%48.08%48.64%43.13%-468 bps
Liquid Assets / Assets38.60%38.58%39.10%39.31%43.63%+503 bps
CRE / Total Capitaln/an/an/an/a29.24%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

Hill-Dodge Banking Company

Warsaw, IL · Cert 9274 · Peer group: banks under $1B in assets in IL (n=150-152)

FDIC · 1 branch

Q3 2025

$62.6MAssets
$22.7MLoans
$52.6MDeposits
$9.8MEquity

Executive Summary

  • Strongest standing: brokered deposits / deposits outperforms 100% of banks under $1B in assets in IL (rank 106 of 150).
  • Widest gap: net charge-offs / loans trails 47% of banks under $1B in assets in IL (rank 71 of 150).
  • Overall: at or above the peer median on 10 of 10 directional measures.

Return on Assets

1.61%

Rank 13 of 152

Net Interest Margin

3.45%

Rank 47 of 152

Efficiency Ratio

44.95%

Rank 7 of 152

Equity / Assets

15.70%

Rank 12 of 152

Non-interest income vs. expense

$0.2M$1.0MINCOMEEXPENSE
Unfavorable gap of $0.8M · efficiency ratio beats 96% of banks under $1B in assets in IL
Bank 44.95%Peer median 65.2%Q2 2024Q3 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.61%0.63%0.93%1.16%Beats 91%13 / 152
Return on Equity10.28%5.72%8.35%11.29%Beats 69%47 / 152
Net Interest Margin3.45%2.78%3.21%3.66%Beats 69%47 / 152
Efficiency Ratio44.95%57.23%65.22%74.09%Beats 96%7 / 152
Asset Quality
Nonperforming Loans / Loans0.01%0.20%0.59%1.68%Beats 90%16 / 150
Net Charge-Offs / Loans0.03%0.00%0.03%0.11%Beats 53%71 / 150
Capital
Tier 1 Capital Ratio16.15%11.61%14.19%18.83%Beats 65%53 / 152
Total Risk-Based Capital Ratio16.15%12.06%14.71%19.91%Beats 59%62 / 152
Equity / Assets15.70%8.95%10.37%12.59%Beats 92%12 / 152
Liquidity & Funding
Loans / Deposits43.13%52.67%71.43%81.45%8th pctl138 / 150
Loans / Assets36.25%45.72%61.98%69.13%7th pctl139 / 150
Brokered Deposits / Deposits0.00%n/an/a0.79%Beats 100%106 / 150