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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=146 to 148). 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 2026-10-11

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 $6.0MQ3 2024Q2 2026
Deposit mix
88%Interest-bearing $37.0M12%Noninterest $5.1MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.21%0.75%1.30%1.43%1.53%1.04%1.60%1.59%+16 bps
Return on Equity6.87%4.26%7.28%7.86%8.36%5.75%9.00%8.77%+90 bps
Net Interest Margin2.97%2.99%3.12%3.27%3.33%3.27%3.34%3.42%+15 bps
Efficiency Ratio49.96%69.11%49.02%47.24%44.62%62.84%42.15%44.06%-318 bps
Non-Interest Burden1.39%2.01%1.46%1.46%1.39%1.99%1.31%1.41%-5 bps
Growth
Asset Growth (YoY)-5.98%-2.15%-4.19%-1.04%1.50%3.11%6.10%3.30%+434 bps
Loan Growth (YoY)1.06%3.03%4.84%2.13%5.56%0.80%-0.16%3.81%+167 bps
Deposit Growth (YoY)-7.61%-3.00%-5.40%-1.81%1.11%2.97%6.52%3.11%+492 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.05%0.75%0.26%0.87%0.00%-5 bps
Net Charge-Offs / Loans0.05%0.04%0.00%0.00%0.03%0.03%0.00%0.00%0 bps
Allowance / Loans0.29%0.28%0.28%0.27%0.25%0.25%0.25%0.24%-4 bps
Allowance Coverage of NPLsn/an/an/a5.0x0.3x1.0x0.3xn/an/a
Capital
Tier 1 Leverage Ratio18.17%17.47%18.23%18.59%18.98%17.56%17.99%18.48%-11 bps
Total Risk-Based Capital18.17%17.47%18.23%18.59%18.98%17.56%17.99%18.48%-11 bps
Equity / Assets18.26%17.59%18.27%18.66%18.60%17.69%17.94%18.80%+15 bps
Liquidity & Funding
Loans / Deposits83.63%84.93%88.60%89.25%87.31%83.14%83.04%89.85%+60 bps
Liquid Assets / Assets21.76%22.90%20.02%19.80%21.15%22.89%25.00%19.57%-24 bps
CRE / Total Capitaln/an/an/an/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 2026-10-11

Farmers & Merchants Bank of Hutsonville

Hutsonville, IL · Cert 10469 · Peer group: banks under $1B in assets in IL (n=146-148) · 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 14 of 146).
  • Widest gap: return on equity trails 57% of banks under $1B in assets in IL (rank 85 of 148).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.61%

Rank 19 of 148

Net Interest Margin

3.42%

Rank 77 of 148

Efficiency Ratio

44.06%

Rank 4 of 148

Equity / Assets

18.80%

Rank 8 of 148

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 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.61%0.74%1.04%1.35%Beats 87%19 / 148
Return on Equity8.54%6.82%9.34%12.94%Beats 43%85 / 148
Net Interest Margin3.42%3.04%3.45%3.85%Beats 48%77 / 148
Efficiency Ratio44.06%54.64%64.64%72.22%Beats 98%4 / 148
Asset Quality
Nonperforming Loans / Loans0.00%0.20%0.66%1.77%Beats 100%14 / 146
Net Charge-Offs / Loans0.00%0.00%0.02%0.07%Beats 100%27 / 146
Capital
Tier 1 Capital Ratio18.48%11.87%14.21%19.02%Beats 73%40 / 148
Total Risk-Based Capital Ratio18.48%12.22%14.72%19.93%Beats 71%43 / 148
Equity / Assets18.80%9.29%10.67%12.50%Beats 95%8 / 148
Liquidity & Funding
Loans / Deposits89.85%54.39%71.02%80.75%91st pctl13 / 146
Loans / Assets72.81%46.03%61.31%68.01%86th pctl20 / 148
Brokered Deposits / Depositsn/aNot reported for this institution