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Farmers & Merchants Bank of Hutsonville

Hutsonville, IL · Cert 10469 · Hutsonville Banc Corp.

State charter, non-member · FDIC · 1 branch

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=147 to 149). 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

80

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

59

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

98

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 2026-10-10

Farmers & Merchants Bank of Hutsonville

Hutsonville, IL · Cert 10469 · Hutsonville Banc Corp.

State charter, non-member · FDIC · 1 branch

Q2 2026

$52.0MAssets
$37.9MLoans
$42.1MDeposits
$9.8MEquity
Loan mix
74%RE $25.2M8%C&I $2.8M18%Consumer $6.0MQ2 2025Q2 2026
Deposit mix
88%Interest-bearing $37.0M12%Noninterest $5.1MQ2 2025Q2 2026

NIM

4.62%Q2 ’245.03%Q2 ’255.13%Q2 ’26+12%+5%

Non-interest income vs. expense

1.54%Q2 ’241.62%Q2 ’251.58%Q2 ’26+6%-3%

Executive Summary

  • Earnings: ROA of 1.59%, up 16 bps year over year; NIM at 3.42%.
  • Asset quality: problem loans at 0.00% of loans (-5 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 18.48%, down 11 bps from a year ago.
  • Funding: loans stand at 89.85% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.59%+16 bps YoY

Net Interest Margin (YTD, annualized)

3.42%+15 bps YoY

Efficiency Ratio (YTD, annualized)

44.06%-318 bps YoY

Tier 1 Leverage Ratio

18.48%-11 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.43%1.53%1.04%1.60%1.59%+16 bps
Return on Equity7.86%8.36%5.75%9.00%8.77%+90 bps
Net Interest Margin3.27%3.33%3.27%3.34%3.42%+15 bps
Efficiency Ratio47.24%44.62%62.84%42.15%44.06%-318 bps
Non-Interest Burden1.46%1.39%1.99%1.31%1.41%-5 bps
Growth
Asset Growth (YoY)-1.04%1.50%3.11%6.10%3.30%+434 bps
Loan Growth (YoY)2.13%5.56%0.80%-0.16%3.81%+167 bps
Deposit Growth (YoY)-1.81%1.11%2.97%6.52%3.11%+492 bps
Asset Quality
Nonperforming Loans / Loans0.05%0.75%0.26%0.87%0.00%-5 bps
Net Charge-Offs / Loans0.00%0.03%0.03%0.00%0.00%0 bps
Allowance / Loans0.27%0.25%0.25%0.25%0.24%-4 bps
Allowance Coverage of NPLs5.0x0.3x1.0x0.3xn/an/a
Capital
Tier 1 Leverage Ratio18.59%18.98%17.56%17.99%18.48%-11 bps
Total Risk-Based Capital18.59%18.98%17.56%17.99%18.48%-11 bps
Equity / Assets18.66%18.60%17.69%17.94%18.80%+15 bps
Liquidity & Funding
Loans / Deposits89.25%87.31%83.14%83.04%89.85%+60 bps
Liquid Assets / Assets19.80%21.15%22.89%25.00%19.57%-24 bps
CRE / Total Capitaln/a53.53%59.29%57.58%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 2026-10-10

Farmers & Merchants Bank of Hutsonville

Hutsonville, IL · Cert 10469 · Peer group: banks under $1B in assets in IL (n=147-149) · Hutsonville Banc Corp.

State charter, non-member · FDIC · 1 branch

Q2 2026

$52.0MAssets
$37.9MLoans
$42.1MDeposits
$9.8MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in IL (rank 15 of 147).
  • Widest gap: return on equity trails 58% of banks under $1B in assets in IL (rank 86 of 149).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.61%

Rank 19 of 149

Net Interest Margin

3.42%

Rank 77 of 149

Efficiency Ratio

44.06%

Rank 4 of 149

Equity / Assets

18.80%

Rank 8 of 149

Non-interest income vs. expense

$92K$838KINCOMEEXPENSE
Unfavorable gap of $746K · efficiency ratio beats 98% of banks under $1B in assets in IL
Bank 44.06%Peer median 64.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.61%0.74%1.04%1.34%Beats 87%19 / 149
Return on Equity8.54%6.82%9.34%12.94%Beats 42%86 / 149
Net Interest Margin3.42%3.04%3.43%3.83%Beats 48%77 / 149
Efficiency Ratio44.06%54.64%64.55%71.82%Beats 98%4 / 149
Asset Quality
Nonperforming Loans / Loans0.00%0.19%0.65%1.77%Beats 100%15 / 147
Net Charge-Offs / Loans0.00%0.00%0.02%0.07%Beats 100%28 / 147
Capital
Tier 1 Capital Ratio18.48%11.87%14.21%18.66%Beats 73%40 / 149
Total Risk-Based Capital Ratio18.48%12.22%14.72%19.92%Beats 71%43 / 149
Equity / Assets18.80%9.24%10.65%12.40%Beats 95%8 / 149
Liquidity & Funding
Loans / Deposits89.85%53.80%70.99%80.75%91st pctl13 / 147
Loans / Assets72.81%46.03%61.30%67.68%87th pctl20 / 149
Brokered Deposits / Depositsn/aNot reported for this institution