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First State Bank of Olmsted

Olmsted, IL · Cert 10437 · Fsbo Holdings Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

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: Q2 2026, the quarter ended June 30, 2026, 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=149 to 151). 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

78

Q2 2024Q2 2026peer median (50)

Asset Quality

38

Q2 2024Q2 2026peer median (50)

Profitability

61

Q2 2024Q2 2026peer median (50)

Liquidity

77

Q2 2024Q2 2026peer median

Efficiency

66

Q2 2024Q2 2026peer 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

First State Bank of Olmsted

Olmsted, IL · Cert 10437 · Fsbo Holdings Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$78.4MAssets
$51.5MLoans
$68.4MDeposits
$9.7MEquity
Loan mix
65%RE $31.5M30%C&I $14.4M5%Consumer $2.6MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $56.0M18%Noninterest $12.4MQ2 2025Q2 2026

NIM

4.44%Q2 ’244.73%Q2 ’255.00%Q2 ’26+15%+9%

Non-interest income vs. expense

2.16%Q2 ’242.21%Q2 ’252.31%Q2 ’26+3%+3%

Executive Summary

  • Earnings: ROA of 1.21%, up 14 bps year over year; NIM at 3.63%.
  • Asset quality: problem loans at 2.09% of loans (+142 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 12.57%, up 66 bps from a year ago.
  • Funding: loans stand at 75.35% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.21%+14 bps YoY

Net Interest Margin (YTD, annualized)

3.63%+29 bps YoY

Efficiency Ratio (YTD, annualized)

58.60%-286 bps YoY

Tier 1 Leverage Ratio

12.57%+66 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.07%1.16%1.13%1.22%1.21%+14 bps
Return on Equity9.57%10.22%9.83%10.03%9.92%+35 bps
Net Interest Margin3.33%3.32%3.39%3.55%3.63%+29 bps
Efficiency Ratio61.45%59.22%60.52%59.15%58.60%-286 bps
Non-Interest Burden1.93%1.84%1.93%1.95%1.98%+5 bps
Growth
Asset Growth (YoY)7.13%5.06%4.97%3.39%0.84%-629 bps
Loan Growth (YoY)6.59%13.36%17.99%18.69%10.26%+367 bps
Deposit Growth (YoY)5.98%3.84%3.42%1.88%-0.48%-646 bps
Asset Quality
Nonperforming Loans / Loans0.68%1.24%1.14%2.19%2.09%+142 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.02%+2 bps
Allowance / Loans0.99%0.97%0.97%0.93%0.91%-8 bps
Allowance Coverage of NPLs1.5x0.8x0.8x0.4x0.4x-1.0x
Capital
Tier 1 Leverage Ratio11.91%11.90%12.00%12.30%12.57%+66 bps
Total Risk-Based Capital11.91%11.90%12.00%12.30%20.87%+896 bps
Equity / Assets11.35%11.85%12.03%12.25%12.40%+106 bps
Liquidity & Funding
Loans / Deposits68.02%70.06%71.43%75.00%75.35%+734 bps
Liquid Assets / Assets3.90%3.99%4.10%2.79%2.81%-109 bps
CRE / Total Capitaln/a88.23%84.22%80.18%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

First State Bank of Olmsted

Olmsted, IL · Cert 10437 · Peer group: banks under $1B in assets in IL (n=149-151) · Fsbo Holdings Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$78.4MAssets
$51.5MLoans
$68.4MDeposits
$9.7MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 79% of banks under $1B in assets in IL (rank 32 of 151).
  • Widest gap: nonperforming loans / loans trails 81% of banks under $1B in assets in IL (rank 121 of 149).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.20%

Rank 53 of 151

Net Interest Margin

3.63%

Rank 54 of 151

Efficiency Ratio

58.60%

Rank 52 of 151

Equity / Assets

12.40%

Rank 38 of 151

Non-interest income vs. expense

$0.3M$1.8MINCOMEEXPENSE
Unfavorable gap of $1.5M · efficiency ratio beats 66% of banks under $1B in assets in IL
Bank 58.60%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.20%0.70%1.03%1.34%Beats 65%53 / 151
Return on Equity9.70%6.74%9.34%12.94%Beats 54%70 / 151
Net Interest Margin3.63%3.02%3.43%3.83%Beats 64%54 / 151
Efficiency Ratio58.60%54.64%64.89%72.50%Beats 66%52 / 151
Asset Quality
Nonperforming Loans / Loans2.09%0.20%0.66%1.77%Beats 19%121 / 149
Net Charge-Offs / Loans0.01%0.00%0.02%0.07%Beats 57%65 / 149
Capital
Tier 1 Capital Ratio19.91%11.83%14.17%18.66%Beats 79%32 / 151
Total Risk-Based Capital Ratio20.87%12.22%14.54%19.92%Beats 79%31 / 151
Equity / Assets12.40%9.10%10.65%12.40%Beats 75%38 / 151
Liquidity & Funding
Loans / Deposits75.35%54.39%71.02%80.75%60th pctl59 / 149
Loans / Assets65.73%45.91%61.31%68.01%64th pctl55 / 151
Brokered Deposits / Depositsn/aNot reported for this institution