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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