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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

$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