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Letter portraitLegal landscapeQuarterYTD

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