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First Trust and Savings Bank of Watseka, The

Watseka, IL · Cert 10831 · First Trust Holdings Inc. the

State charter, Fed member · FED · 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

71

Q2 2024Q2 2026peer median (50)

Asset Quality

74

Q2 2024Q2 2026peer median (50)

Profitability

68

Q2 2024Q2 2026peer median (50)

Liquidity

27

Q2 2024Q2 2026peer median

Efficiency

99

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 Trust and Savings Bank of Watseka, The

Watseka, IL · Cert 10831 · First Trust Holdings Inc. the

State charter, Fed member · FED · 2 branches

Q2 2026

$337.1MAssets
$153.8MLoans
$285.9MDeposits
$50.3MEquity
Loan mix
79%RE $93.5M18%C&I $21.4M3%Consumer $3.0MQ3 2024Q2 2026
Deposit mix
90%Interest-bearing $258.1M10%Noninterest $27.7MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.80%, up 4 bps year over year; NIM at 3.35%.
  • Asset quality: problem loans at 0.03% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 16.10%, down 31 bps from a year ago.
  • Funding: loans stand at 53.80% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.80%+4 bps YoY

Net Interest Margin (YTD, annualized)

3.35%-1 bps YoY

Efficiency Ratio (YTD, annualized)

41.58%-58 bps YoY

Tier 1 Leverage Ratio

16.10%-31 bps YoY

NIM

4.41%Q2 ’244.62%Q2 ’254.54%Q2 ’26+0%0%

Non-interest income vs. expense

1.51%Q2 ’241.57%Q2 ’251.53%Q2 ’26+8%0%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.71%1.70%1.77%1.76%1.76%1.75%1.69%1.80%+4 bps
Return on Equity12.01%11.93%12.08%11.88%11.77%11.61%11.06%11.87%-1 bps
Net Interest Margin3.29%3.17%3.21%3.36%3.37%3.35%3.39%3.35%-1 bps
Efficiency Ratio40.33%41.16%42.41%42.16%42.14%42.77%42.08%41.58%-58 bps
Non-Interest Burden1.10%1.08%1.17%1.21%1.21%1.22%1.24%1.20%-1 bps
Growth
Asset Growth (YoY)3.53%3.31%2.63%0.20%-2.93%-0.65%6.24%6.89%+669 bps
Loan Growth (YoY)12.89%6.63%-0.83%-3.96%-1.27%-1.76%2.48%-4.33%-37 bps
Deposit Growth (YoY)1.99%2.96%2.06%-0.88%-4.44%-2.73%6.45%7.08%+797 bps
Asset Quality
Nonperforming Loans / Loans0.03%0.03%0.03%0.03%0.03%0.03%0.03%0.03%0 bps
Net Charge-Offs / Loans0.04%0.03%-0.14%-0.07%-0.05%-0.04%-0.01%0.01%+8 bps
Allowance / Loans1.12%1.13%1.09%1.11%1.11%1.11%1.10%1.10%-1 bps
Allowance Coverage of NPLs33.5x35.4x31.8x34.4x37.4x39.2x37.1x37.7x+3.4x
Capital
Tier 1 Leverage Ratio15.38%14.95%15.63%16.41%16.40%16.26%16.20%16.10%-31 bps
Total Risk-Based Capital15.38%14.95%15.63%16.41%16.40%16.26%16.20%16.10%-31 bps
Equity / Assets14.24%14.27%15.04%15.06%15.58%15.61%14.93%14.93%-13 bps
Liquidity & Funding
Loans / Deposits61.23%62.52%58.49%60.22%63.26%63.15%56.31%53.80%-642 bps
Liquid Assets / Assets11.02%7.85%8.20%4.25%1.71%0.02%6.04%2.01%-224 bps
CRE / Total Capitaln/an/an/an/a30.08%32.04%32.05%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 Trust and Savings Bank of Watseka, The

Watseka, IL · Cert 10831 · Peer group: banks under $1B in assets in IL (n=149-151) · First Trust Holdings Inc. the

State charter, Fed member · FED · 2 branches

Q2 2026

$337.1MAssets
$153.8MLoans
$285.9MDeposits
$50.3MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 99% of banks under $1B in assets in IL (rank 3 of 151).
  • Widest gap: net interest margin trails 58% of banks under $1B in assets in IL (rank 87 of 151).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.76%

Rank 9 of 151

Net Interest Margin

3.35%

Rank 87 of 151

Efficiency Ratio

41.58%

Rank 3 of 151

Equity / Assets

14.93%

Rank 18 of 151

Non-interest income vs. expense

$1.1M$5.2MINCOMEEXPENSE
Unfavorable gap of $4.1M · efficiency ratio beats 99% of banks under $1B in assets in IL
Bank 41.58%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.76%0.70%1.03%1.34%Beats 94%9 / 151
Return on Equity11.81%6.74%9.34%12.94%Beats 68%48 / 151
Net Interest Margin3.35%3.02%3.43%3.83%Beats 42%87 / 151
Efficiency Ratio41.58%54.64%64.89%72.50%Beats 99%3 / 151
Asset Quality
Nonperforming Loans / Loans0.03%0.20%0.66%1.77%Beats 90%16 / 149
Net Charge-Offs / Loans0.01%0.00%0.02%0.07%Beats 58%63 / 149
Capital
Tier 1 Capital Ratio16.10%11.83%14.17%18.66%Beats 66%52 / 151
Total Risk-Based Capital Ratio16.10%12.22%14.54%19.92%Beats 60%61 / 151
Equity / Assets14.93%9.10%10.65%12.40%Beats 88%18 / 151
Liquidity & Funding
Loans / Deposits53.80%54.39%71.02%80.75%24th pctl113 / 149
Loans / Assets45.62%45.91%61.31%68.01%23rd pctl117 / 151
Brokered Deposits / Depositsn/aNot reported for this institution