PackageTrendsPeer
Letter portraitLegal landscape

Federated Bank

Onarga, IL · Cert 10464 · Longview Capital Corp.

State charter, non-member · FDIC · 5 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

46

Q2 2024Q2 2026peer median (50)

Asset Quality

68

Q2 2024Q2 2026peer median (50)

Profitability

66

Q2 2024Q2 2026peer median (50)

Liquidity

76

Q2 2024Q2 2026peer median

Efficiency

16

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

Federated Bank

Onarga, IL · Cert 10464 · Longview Capital Corp.

State charter, non-member · FDIC · 2 affiliate banks · 5 branches (26 in holding)

Q2 2026

$140.1MAssets
$89.9MLoans
$119.2MDeposits
$19.6MEquity
Loan mix
82%RE $53.6M15%C&I $9.9M3%Consumer $1.7MQ2 2025Q2 2026
Deposit mix
69%Interest-bearing $82.5M31%Noninterest $36.8MQ2 2025Q2 2026

NIM

4.43%Q2 ’242.01%Q2 ’255.80%Q2 ’26-50%+178%

Non-interest income vs. expense

3.34%Q2 ’241.40%Q2 ’254.24%Q2 ’26-58%+214%

Market Position · Kankakee, IL · 2026 SOD (annual) · 0.8% share · #12 of 13 inst. · $0.0B of $2.8B

8.0% Iroquois
0.8% Kankakee
0.0% Will

Executive Summary

  • Earnings: ROA of 1.20%, up 155 bps year over year; NIM at 5.11%.
  • Asset quality: problem loans at 0.20% of loans (-15 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 8.88%, up 24 bps from a year ago.
  • Funding: loans stand at 75.40% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.20%+155 bps YoY

Net Interest Margin (YTD, annualized)

5.11%+327 bps YoY

Efficiency Ratio (YTD, annualized)

74.92%+678 bps YoY

Tier 1 Leverage Ratio

8.88%+24 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.35%0.13%0.29%1.64%1.20%+155 bps
Return on Equity-3.04%1.07%2.29%11.24%8.37%+1,140 bps
Net Interest Margin1.84%2.93%3.38%3.49%5.11%+327 bps
Efficiency Ratio68.13%68.33%71.20%80.50%74.92%+678 bps
Non-Interest Burden1.19%1.90%2.31%2.59%3.73%+254 bps
Growth
Asset Growth (YoY)7.45%8.17%12.59%14.32%11.83%+438 bps
Loan Growth (YoY)24.40%36.70%38.52%50.55%37.25%+1,284 bps
Deposit Growth (YoY)6.96%10.02%5.39%7.96%13.16%+620 bps
Asset Quality
Nonperforming Loans / Loans0.35%0.05%0.05%0.00%0.20%-15 bps
Net Charge-Offs / Loans-0.06%-0.02%-0.01%-0.01%0.01%+8 bps
Allowance / Loans0.98%0.90%0.91%0.90%0.83%-15 bps
Allowance Coverage of NPLs2.8x17.7x18.0xn/a4.2x+1.4x
Capital
Tier 1 Leverage Ratio8.63%8.46%9.06%8.48%8.88%+24 bps
Total Risk-Based Capital14.81%13.09%13.24%12.09%12.56%-225 bps
Equity / Assets14.81%15.12%14.60%14.50%13.99%-82 bps
Liquidity & Funding
Loans / Deposits62.17%69.45%71.53%73.36%75.40%+1,323 bps
Liquid Assets / Assets19.90%5.89%5.06%11.54%10.53%-937 bps
CRE / Total Capitaln/a209%206%207%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

Federated Bank

Onarga, IL · Cert 10464 · Peer group: banks under $1B in assets in IL (n=149-151) · Longview Capital Corp.

State charter, non-member · FDIC · 2 affiliate banks · 5 branches (26 in holding)

Q2 2026

$140.1MAssets
$89.9MLoans
$119.2MDeposits
$19.6MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 99% of banks under $1B in assets in IL (rank 2 of 151).
  • Widest gap: efficiency ratio trails 84% of banks under $1B in assets in IL (rank 128 of 151).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.17%

Rank 60 of 151

Net Interest Margin

5.11%

Rank 2 of 151

Efficiency Ratio

79.69%

Rank 128 of 151

Equity / Assets

13.99%

Rank 24 of 151

Non-interest income vs. expense

$0.7M$5.8MINCOMEEXPENSE
Unfavorable gap of $5.1M · efficiency ratio beats 16% of banks under $1B in assets in IL
Bank 79.69%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.17%0.70%1.03%1.34%Beats 60%60 / 151
Return on Equity8.37%6.74%9.34%12.94%Beats 39%92 / 151
Net Interest Margin5.11%3.02%3.43%3.83%Beats 99%2 / 151
Efficiency Ratio79.69%54.64%64.89%72.50%Beats 16%128 / 151
Asset Quality
Nonperforming Loans / Loans0.20%0.20%0.66%1.77%Beats 75%38 / 149
Net Charge-Offs / Loans0.01%0.00%0.02%0.07%Beats 60%60 / 149
Capital
Tier 1 Capital Ratio11.79%11.83%14.17%18.66%Beats 24%115 / 151
Total Risk-Based Capital Ratio12.56%12.22%14.54%19.92%Beats 30%105 / 151
Equity / Assets13.99%9.10%10.65%12.40%Beats 84%24 / 151
Liquidity & Funding
Loans / Deposits75.40%54.39%71.02%80.75%61st pctl58 / 149
Loans / Assets64.16%45.91%61.31%68.01%57th pctl65 / 151
Brokered Deposits / Depositsn/aNot reported for this institution