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FNBC Bank and Trust

La Grange, IL · Cert 11306 · F N B C of La Grange Inc.

State charter, non-member · FDIC · 3 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 the Chicago-Naperville-Elgin, IL-IN area3

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 the Chicago-Naperville-Elgin, IL-IN area (n=56 to 57). 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

48

Q2 2024Q2 2026peer median (50)

Asset Quality

90

Q2 2024Q2 2026peer median (50)

Profitability

62

Q2 2024Q2 2026peer median (50)

Liquidity

25

Q2 2024Q2 2026peer median

Efficiency

56

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

FNBC Bank and Trust

La Grange, IL · Cert 11306 · F N B C of La Grange Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$581.6MAssets
$328.3MLoans
$525.1MDeposits
$54.0MEquity
Loan mix
98%RE $311.7M2%C&I $6.0M0%Consumer $0.4MQ2 2025Q2 2026
Deposit mix
68%Interest-bearing $356.3M32%Noninterest $168.8MQ2 2025Q2 2026

NIM

3.39%Q2 ’243.73%Q2 ’254.14%Q2 ’26+16%+20%

Non-interest income vs. expense

2.70%Q2 ’242.79%Q2 ’252.96%Q2 ’26-2%-7%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.1% share · #66 of 147 inst. · $0.5B of $630.7B

0.1% Cook
0.2% DuPage

Executive Summary

  • Earnings: ROA of 1.18%, up 57 bps year over year; NIM at 3.20%.
  • Asset quality: problem loans at 0.04% of loans (+4 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 10.02%, up 14 bps from a year ago.
  • Funding: loans stand at 62.52% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.18%+57 bps YoY

Net Interest Margin (YTD, annualized)

3.20%+54 bps YoY

Efficiency Ratio (YTD, annualized)

66.87%-1,097 bps YoY

Tier 1 Leverage Ratio

10.02%+14 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.60%0.67%0.82%0.81%1.18%+57 bps
Return on Equity6.97%7.62%9.29%8.70%12.63%+566 bps
Net Interest Margin2.66%2.67%2.66%3.07%3.20%+54 bps
Efficiency Ratio77.83%75.94%73.11%71.63%66.87%-1,097 bps
Non-Interest Burden1.86%1.80%1.69%1.91%1.73%-13 bps
Growth
Asset Growth (YoY)3.01%1.05%3.72%1.76%1.63%-137 bps
Loan Growth (YoY)-2.75%0.23%7.26%7.53%10.57%+1,332 bps
Deposit Growth (YoY)1.57%0.26%2.34%0.95%1.54%-3 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.04%0.04%+4 bps
Net Charge-Offs / Loans-0.02%-0.02%-0.01%0.00%-0.01%+2 bps
Allowance / Loans1.22%1.19%1.15%1.13%1.15%-7 bps
Allowance Coverage of NPLsn/an/an/a29.1x30.4xn/a
Capital
Tier 1 Leverage Ratio9.89%9.89%9.69%10.00%10.02%+14 bps
Total Risk-Based Capital19.86%19.84%19.76%19.66%18.81%-104 bps
Equity / Assets9.14%9.18%9.20%9.45%9.29%+15 bps
Liquidity & Funding
Loans / Deposits57.41%58.51%58.25%60.94%62.52%+511 bps
Liquid Assets / Assets7.55%7.27%8.08%4.82%4.06%-349 bps
CRE / Total Capitaln/a320%324%328%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

FNBC Bank and Trust

La Grange, IL · Cert 11306 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57) · F N B C of La Grange Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$581.6MAssets
$328.3MLoans
$525.1MDeposits
$54.0MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 24 of 56).
  • Widest gap: equity / assets trails 77% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 44 of 57).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.19%

Rank 15 of 57

Net Interest Margin

3.20%

Rank 42 of 57

Efficiency Ratio

66.87%

Rank 26 of 57

Equity / Assets

9.29%

Rank 44 of 57

Non-interest income vs. expense

$7.2M$17.3MINCOMEEXPENSE
Unfavorable gap of $10.1M · efficiency ratio beats 56% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 66.87%Peer median 69.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.19%0.51%0.84%1.19%Beats 74%15 / 57
Return on Equity12.76%3.13%7.76%11.40%Beats 86%8 / 57
Net Interest Margin3.20%3.16%3.63%4.08%Beats 26%42 / 57
Efficiency Ratio66.87%59.57%69.70%81.06%Beats 56%26 / 57
Asset Quality
Nonperforming Loans / Loans0.04%0.06%0.34%1.78%Beats 79%13 / 56
Net Charge-Offs / Loans0.00%n/a0.00%0.01%Beats 100%24 / 56
Capital
Tier 1 Capital Ratio17.63%12.24%16.06%19.69%Beats 61%22 / 57
Total Risk-Based Capital Ratio18.81%12.54%16.50%20.95%Beats 61%22 / 57
Equity / Assets9.29%9.37%11.56%15.00%Beats 23%44 / 57
Liquidity & Funding
Loans / Deposits62.52%66.29%85.59%95.16%14th pctl49 / 57
Loans / Assets56.45%57.07%71.07%78.13%21st pctl45 / 57
Brokered Deposits / Depositsn/aNot reported for this institution