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First State Bank of Van Orin

Van Orin, IL · Cert 10809 · Van Orin Bcorp Inc.

State charter, non-member · FDIC · 2 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

78

Q2 2024Q2 2026peer median (50)

Asset Quality

29

Q2 2024Q2 2026peer median (50)

Profitability

14

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

26

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

First State Bank of Van Orin

Van Orin, IL · Cert 10809 · Van Orin Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$40.0MAssets
$12.0MLoans
$35.4MDeposits
$4.3MEquity
Loan mix
54%RE $4.1M36%C&I $2.7M10%Consumer $0.8MQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $29.6M16%Noninterest $5.8MQ2 2025Q2 2026

NIM

3.64%Q2 ’243.65%Q2 ’253.42%Q2 ’26-1%-5%

Non-interest income vs. expense

1.60%Q2 ’241.79%Q2 ’251.83%Q2 ’26+14%0%

Executive Summary

  • Earnings: ROA of 0.56%, up 1 bps year over year; NIM at 2.35%.
  • Asset quality: problem loans at 4.54% of loans (+400 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 12.40%, up 143 bps from a year ago.
  • Funding: loans stand at 34.03% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.56%+1 bps YoY

Net Interest Margin (YTD, annualized)

2.35%-13 bps YoY

Efficiency Ratio (YTD, annualized)

71.65%+391 bps YoY

Tier 1 Leverage Ratio

12.40%+143 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.54%0.54%0.46%0.42%0.56%+1 bps
Return on Equity6.83%6.48%5.38%4.21%5.41%-142 bps
Net Interest Margin2.48%2.52%2.49%2.27%2.35%-13 bps
Efficiency Ratio67.74%69.98%73.12%77.61%71.65%+391 bps
Non-Interest Burden1.63%1.72%1.78%1.72%1.63%-1 bps
Growth
Asset Growth (YoY)-3.51%-3.11%-4.07%-11.76%-4.97%-147 bps
Loan Growth (YoY)-1.01%3.71%-5.77%-2.07%1.42%+243 bps
Deposit Growth (YoY)-5.25%-4.34%-6.62%-14.54%-7.14%-189 bps
Asset Quality
Nonperforming Loans / Loans0.54%0.07%0.06%2.69%4.54%+400 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.03%+3 bps
Allowance / Loans1.74%1.67%1.87%1.83%1.73%-2 bps
Allowance Coverage of NPLs3.2x23.0x30.0x0.7x0.4x-2.9x
Capital
Tier 1 Leverage Ratio10.98%11.36%11.30%11.94%12.40%+143 bps
Total Risk-Based Capital27.33%26.91%28.63%28.66%27.84%+52 bps
Equity / Assets8.76%9.40%9.90%10.31%10.62%+186 bps
Liquidity & Funding
Loans / Deposits31.15%31.51%30.02%31.66%34.03%+287 bps
Liquid Assets / Assets30.11%29.59%29.63%29.07%21.72%-838 bps
CRE / Total Capitaln/a22.69%22.40%21.56%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

First State Bank of Van Orin

Van Orin, IL · Cert 10809 · Peer group: banks under $1B in assets in IL (n=149-151) · Van Orin Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$40.0MAssets
$12.0MLoans
$35.4MDeposits
$4.3MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 93% of banks under $1B in assets in IL (rank 10 of 151).
  • Widest gap: net interest margin trails 97% of banks under $1B in assets in IL (rank 147 of 151).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.57%

Rank 124 of 151

Net Interest Margin

2.35%

Rank 147 of 151

Efficiency Ratio

72.22%

Rank 113 of 151

Equity / Assets

10.62%

Rank 77 of 151

Non-interest income vs. expense

$84K$754KINCOMEEXPENSE
Unfavorable gap of $670K · efficiency ratio beats 26% of banks under $1B in assets in IL
Bank 72.22%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.57%0.70%1.03%1.34%Beats 18%124 / 151
Return on Equity5.35%6.74%9.34%12.94%Beats 21%120 / 151
Net Interest Margin2.35%3.02%3.43%3.83%Beats 3%147 / 151
Efficiency Ratio72.22%54.64%64.89%72.50%Beats 26%113 / 151
Asset Quality
Nonperforming Loans / Loans4.54%0.20%0.66%1.77%Beats 5%142 / 149
Net Charge-Offs / Loans0.02%0.00%0.02%0.07%Beats 52%72 / 149
Capital
Tier 1 Capital Ratio26.68%11.83%14.17%18.66%Beats 93%10 / 151
Total Risk-Based Capital Ratio27.84%12.22%14.54%19.92%Beats 93%10 / 151
Equity / Assets10.62%9.10%10.65%12.40%Beats 49%77 / 151
Liquidity & Funding
Loans / Deposits34.03%54.39%71.02%80.75%3rd pctl144 / 149
Loans / Assets30.06%45.91%61.31%68.01%5th pctl144 / 151
Brokered Deposits / Depositsn/aNot reported for this institution