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First State Bank of Beecher City

Beecher City, IL · Cert 10871 · Tri-County Bancshares Inc.

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=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

88

Q2 2024Q2 2026peer median (50)

Asset Quality

35

Q2 2024Q2 2026peer median (50)

Profitability

90

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

97

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 Beecher City

Beecher City, IL · Cert 10871 · Tri-County Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$112.2MAssets
$83.8MLoans
$93.7MDeposits
$17.9MEquity
Loan mix
71%RE $55.2M15%C&I $11.7M14%Consumer $11.2MQ3 2024Q2 2026
Deposit mix
78%Interest-bearing $73.4M22%Noninterest $20.3MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 2.18%, up 32 bps year over year; NIM at 4.45%.
  • Asset quality: problem loans at 0.81% of loans (+10 bps YoY), with net charge-offs at 0.14%.
  • Capital: tier 1 leverage ratio of 15.98%, up 115 bps from a year ago.
  • Funding: loans stand at 89.45% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

2.18%+32 bps YoY

Net Interest Margin (YTD, annualized)

4.45%+14 bps YoY

Efficiency Ratio (YTD, annualized)

44.62%-247 bps YoY

Tier 1 Leverage Ratio

15.98%+115 bps YoY

NIM

6.42%Q2 ’246.25%Q2 ’256.23%Q2 ’26-7%+3%

Non-interest income vs. expense

2.30%Q2 ’242.25%Q2 ’252.24%Q2 ’26+85%-6%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.71%2.43%1.88%1.86%1.94%1.86%2.08%2.18%+32 bps
Return on Equity18.03%15.99%12.52%12.43%12.86%12.23%13.60%14.01%+158 bps
Net Interest Margin4.64%4.49%4.29%4.31%4.41%4.35%4.35%4.45%+14 bps
Efficiency Ratio39.85%42.85%49.81%47.09%45.17%46.93%46.18%44.62%-247 bps
Non-Interest Burden1.22%1.42%1.91%1.79%1.73%1.78%1.72%1.68%-11 bps
Growth
Asset Growth (YoY)3.98%5.52%10.00%7.66%5.77%5.86%3.19%2.71%-495 bps
Loan Growth (YoY)13.34%13.14%9.41%8.33%5.26%5.74%3.66%3.84%-449 bps
Deposit Growth (YoY)1.92%3.84%10.30%8.38%6.24%6.32%2.14%1.18%-721 bps
Asset Quality
Nonperforming Loans / Loans0.80%0.56%0.36%0.71%0.76%1.07%0.88%0.81%+10 bps
Net Charge-Offs / Loans0.05%0.06%-0.03%0.02%0.04%0.18%-0.02%0.14%+12 bps
Allowance / Loans1.54%1.65%1.66%1.73%1.80%1.77%1.82%1.70%-3 bps
Allowance Coverage of NPLs1.9x2.9x4.6x2.4x2.4x1.7x2.1x2.1x-0.3x
Capital
Tier 1 Leverage Ratio15.97%15.76%14.55%14.82%15.31%15.37%15.23%15.98%+115 bps
Total Risk-Based Capital23.90%24.02%22.34%22.94%23.55%23.64%24.04%24.54%+160 bps
Equity / Assets15.95%15.79%14.31%14.80%15.61%15.41%15.20%15.98%+118 bps
Liquidity & Funding
Loans / Deposits92.00%89.30%84.40%87.15%91.16%88.81%85.66%89.45%+230 bps
Liquid Assets / Assets0.15%0.15%0.14%0.14%0.14%0.14%0.14%0.13%0 bps
CRE / Total Capitaln/an/an/an/a96.63%94.80%95.02%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 Beecher City

Beecher City, IL · Cert 10871 · Peer group: banks under $1B in assets in IL (n=149-151) · Tri-County Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$112.2MAssets
$83.8MLoans
$93.7MDeposits
$17.9MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 97% of banks under $1B in assets in IL (rank 4 of 151).
  • Widest gap: net charge-offs / loans trails 77% of banks under $1B in assets in IL (rank 116 of 149).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

2.18%

Rank 4 of 151

Net Interest Margin

4.45%

Rank 10 of 151

Efficiency Ratio

44.62%

Rank 6 of 151

Equity / Assets

15.98%

Rank 14 of 151

Non-interest income vs. expense

$0.6M$2.5MINCOMEEXPENSE
Unfavorable gap of $1.9M · efficiency ratio beats 97% of banks under $1B in assets in IL
Bank 44.62%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets2.18%0.70%1.03%1.34%Beats 97%4 / 151
Return on Equity13.66%6.74%9.34%12.94%Beats 81%28 / 151
Net Interest Margin4.45%3.02%3.43%3.83%Beats 93%10 / 151
Efficiency Ratio44.62%54.64%64.89%72.50%Beats 97%6 / 151
Asset Quality
Nonperforming Loans / Loans0.81%0.20%0.66%1.77%Beats 46%82 / 149
Net Charge-Offs / Loans0.08%0.00%0.02%0.07%Beats 23%116 / 149
Capital
Tier 1 Capital Ratio23.29%11.83%14.17%18.66%Beats 87%20 / 151
Total Risk-Based Capital Ratio24.54%12.22%14.54%19.92%Beats 87%19 / 151
Equity / Assets15.98%9.10%10.65%12.40%Beats 91%14 / 151
Liquidity & Funding
Loans / Deposits89.45%54.39%71.02%80.75%89th pctl16 / 149
Loans / Assets74.71%45.91%61.31%68.01%89th pctl17 / 151
Brokered Deposits / Depositsn/aNot reported for this institution