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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

$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

4.56%Q2 ’244.90%Q2 ’255.10%Q2 ’26+17%+6%

Non-interest income vs. expense

2.17%Q2 ’242.24%Q2 ’252.33%Q2 ’26+4%+2%

Executive Summary

  • Earnings: ROA of 1.21%, up 7 bps year over year; NIM at 3.71%.
  • Asset quality: problem loans at 2.09% of loans (+142 bps YoY), with net charge-offs at 0.05%.
  • 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 (quarter, annualized)

1.21%+7 bps YoY

Net Interest Margin (quarter, annualized)

3.71%+21 bps YoY

Efficiency Ratio (quarter, annualized)

58.06%-159 bps YoY

Tier 1 Leverage Ratio

12.57%+66 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.14%1.33%1.04%1.22%1.21%+7 bps
Return on Equity10.07%11.44%8.67%10.03%9.82%-25 bps
Net Interest Margin3.50%3.52%3.57%3.55%3.71%+21 bps
Efficiency Ratio59.66%55.17%64.19%59.15%58.06%-159 bps
Non-Interest Burden1.97%1.79%2.19%1.95%2.01%+4 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%0.05%+5 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