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Farmers and Merchants State Bank of Bushnell

Bushnell, IL · Cert 11324 · Prairieland 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

71

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

85

Q2 2024Q2 2026peer median (50)

Liquidity

4

Q2 2024Q2 2026peer median

Efficiency

80

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

Farmers and Merchants State Bank of Bushnell

Bushnell, IL · Cert 11324 · Prairieland Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$86.5MAssets
$37.6MLoans
$77.6MDeposits
$8.7MEquity
Loan mix
81%RE $26.0M9%C&I $3.0M9%Consumer $3.0MQ2 2025Q2 2026
Deposit mix
76%Interest-bearing $58.9M24%Noninterest $18.7MQ2 2025Q2 2026

NIM

3.68%Q2 ’243.88%Q2 ’254.13%Q2 ’26+3%+8%

Non-interest income vs. expense

2.56%Q2 ’242.56%Q2 ’252.60%Q2 ’26+3%-3%

Executive Summary

  • Earnings: ROA of 1.70%, up 26 bps year over year; NIM at 3.65%.
  • Asset quality: problem loans at 0.00% of loans (-9 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.49%, up 90 bps from a year ago.
  • Funding: loans stand at 48.50% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.70%+26 bps YoY

Net Interest Margin (YTD, annualized)

3.65%+27 bps YoY

Efficiency Ratio (YTD, annualized)

53.42%-330 bps YoY

Tier 1 Leverage Ratio

10.49%+90 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.44%1.43%1.42%1.56%1.70%+26 bps
Return on Equity18.16%17.28%16.89%16.96%17.87%-29 bps
Net Interest Margin3.38%3.48%3.44%3.52%3.65%+27 bps
Efficiency Ratio56.72%57.16%58.00%55.74%53.42%-330 bps
Non-Interest Burden1.43%1.54%1.55%1.44%1.38%-5 bps
Growth
Asset Growth (YoY)1.26%-3.31%-0.52%0.33%0.38%-89 bps
Loan Growth (YoY)-0.08%-1.28%-6.92%-1.44%-4.44%-436 bps
Deposit Growth (YoY)1.30%-4.65%-2.57%-1.14%-1.39%-269 bps
Asset Quality
Nonperforming Loans / Loans0.09%0.00%0.00%0.00%0.00%-9 bps
Net Charge-Offs / Loans0.02%0.00%0.00%0.00%0.00%-2 bps
Allowance / Loans0.79%0.79%0.79%0.79%0.83%+4 bps
Allowance Coverage of NPLs9.2xn/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.58%9.76%9.65%9.93%10.49%+90 bps
Total Risk-Based Capital21.38%21.09%20.91%22.04%24.51%+314 bps
Equity / Assets8.48%9.30%9.11%9.32%10.05%+157 bps
Liquidity & Funding
Loans / Deposits50.05%51.81%49.61%48.98%48.50%-155 bps
Liquid Assets / Assets7.49%5.25%11.24%14.53%13.78%+629 bps
CRE / Total Capitaln/a40.34%43.32%41.92%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

Farmers and Merchants State Bank of Bushnell

Bushnell, IL · Cert 11324 · Peer group: banks under $1B in assets in IL (n=149-151) · Prairieland Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$86.5MAssets
$37.6MLoans
$77.6MDeposits
$8.7MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in IL (rank 14 of 149).
  • Widest gap: equity / assets trails 61% of banks under $1B in assets in IL (rank 92 of 151).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.74%

Rank 12 of 151

Net Interest Margin

3.65%

Rank 50 of 151

Efficiency Ratio

53.42%

Rank 31 of 151

Equity / Assets

10.05%

Rank 92 of 151

Non-interest income vs. expense

$1.1M$2.3MINCOMEEXPENSE
Unfavorable gap of $1.2M · efficiency ratio beats 80% of banks under $1B in assets in IL
Bank 53.42%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.74%0.70%1.03%1.34%Beats 92%12 / 151
Return on Equity17.31%6.74%9.34%12.94%Beats 95%8 / 151
Net Interest Margin3.65%3.02%3.43%3.83%Beats 67%50 / 151
Efficiency Ratio53.42%54.64%64.89%72.50%Beats 80%31 / 151
Asset Quality
Nonperforming Loans / Loans0.00%0.20%0.66%1.77%Beats 100%14 / 149
Net Charge-Offs / Loans0.00%0.00%0.02%0.07%Beats 100%27 / 149
Capital
Tier 1 Capital Ratio23.72%11.83%14.17%18.66%Beats 87%19 / 151
Total Risk-Based Capital Ratio24.51%12.22%14.54%19.92%Beats 87%20 / 151
Equity / Assets10.05%9.10%10.65%12.40%Beats 39%92 / 151
Liquidity & Funding
Loans / Deposits48.50%54.39%71.02%80.75%12th pctl131 / 149
Loans / Assets43.52%45.91%61.31%68.01%16th pctl127 / 151
Brokered Deposits / Depositsn/aNot reported for this institution