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Bank of Rantoul

Rantoul, IL · Cert 11711 · Bancorp of Rantoul 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 operating in a single state3

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 operating in a single state (n=743 to 746). 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

22

Q2 2024Q2 2026peer median (50)

Asset Quality

83

Q2 2024Q2 2026peer median (50)

Profitability

46

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

81

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

Bank of Rantoul

Rantoul, IL · Cert 11711 · Bancorp of Rantoul Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$285.8MAssets
$96.4MLoans
$223.3MDeposits
$27.5MEquity
Loan mix
69%RE $55.5M29%C&I $23.7M2%Consumer $1.5MQ3 2024Q2 2026
Deposit mix
85%Interest-bearing $190.5M15%Noninterest $32.8MQ3 2024Q2 2026

Market Position · Champaign-Urbana, IL · 2026 SOD (annual) · 2.1% share · #11 of 33 inst. · $0.2B of $8.7B

2.5% Champaign
2.4% Vermilion

Executive Summary

  • Earnings: ROA of 1.19%, down 32 bps year over year; NIM at 2.91%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 10.75%, down 31 bps from a year ago.
  • Funding: loans stand at 43.14% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.19%-32 bps YoY

Net Interest Margin (YTD, annualized)

2.91%-18 bps YoY

Efficiency Ratio (YTD, annualized)

52.74%+1,180 bps YoY

Tier 1 Leverage Ratio

10.75%-31 bps YoY

NIM

4.83%Q2 ’244.75%Q2 ’254.59%Q2 ’26-3%-6%

Non-interest income vs. expense

1.47%Q2 ’241.36%Q2 ’251.64%Q2 ’26-8%+27%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.41%1.34%1.58%1.51%1.47%1.46%1.52%1.19%-32 bps
Return on Equity15.03%14.30%17.20%16.51%15.71%15.31%15.62%12.32%-419 bps
Net Interest Margin3.19%3.09%3.16%3.09%3.21%3.03%2.90%2.91%-18 bps
Efficiency Ratio44.85%47.96%39.63%40.94%42.13%45.03%40.58%52.74%+1,180 bps
Non-Interest Burden1.29%1.35%1.10%1.13%1.21%1.24%1.03%1.43%+30 bps
Growth
Asset Growth (YoY)5.99%4.14%2.69%7.84%0.04%7.74%7.90%10.54%+270 bps
Loan Growth (YoY)4.34%8.80%1.57%-3.87%0.07%-2.25%4.46%-0.31%+356 bps
Deposit Growth (YoY)0.98%3.69%2.45%2.82%-0.44%6.64%9.55%9.96%+713 bps
Asset Quality
Nonperforming Loans / Loans2.11%1.87%1.74%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.04%0.75%0.32%0.69%0.43%0.31%-0.03%-0.02%-71 bps
Allowance / Loans1.84%1.81%2.02%1.86%1.80%1.83%1.91%2.04%+17 bps
Allowance Coverage of NPLs0.9x1.0x1.2xn/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio11.03%10.99%10.98%11.06%11.51%11.05%10.72%10.75%-31 bps
Total Risk-Based Capital11.03%10.99%10.98%11.06%11.51%11.05%10.72%10.75%-31 bps
Equity / Assets9.57%9.28%9.04%9.14%10.08%10.13%9.33%9.62%+48 bps
Liquidity & Funding
Loans / Deposits50.73%52.81%47.79%47.59%50.99%48.41%45.57%43.14%-444 bps
Liquid Assets / Assets5.42%2.40%11.55%10.51%5.69%4.35%10.96%9.72%-79 bps
CRE / Total Capitaln/an/an/an/a92.38%91.25%95.65%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

Bank of Rantoul

Rantoul, IL · Cert 11711 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Bancorp of Rantoul Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$285.8MAssets
$96.4MLoans
$223.3MDeposits
$27.5MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
  • Widest gap: total risk-based capital ratio trails 85% of banks under $1B in assets operating in a single state (rank 632 of 746).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.17%

Rank 314 of 746

Net Interest Margin

2.91%

Rank 636 of 746

Efficiency Ratio

52.74%

Rank 145 of 746

Equity / Assets

9.62%

Rank 477 of 746

Non-interest income vs. expense

$0.6M$4.7MINCOMEEXPENSE
Unfavorable gap of $4.1M · efficiency ratio beats 81% of banks under $1B in assets operating in a single state
Bank 52.74%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.17%0.72%1.06%1.45%Beats 58%314 / 746
Return on Equity12.12%6.74%10.51%13.63%Beats 64%267 / 746
Net Interest Margin2.91%3.17%3.68%4.16%Beats 15%636 / 746
Efficiency Ratio52.74%55.74%64.58%75.47%Beats 81%145 / 746
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.42%1.07%Beats 100%105 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 66%255 / 743
Capital
Tier 1 Capital Ratio10.75%11.55%13.75%17.60%Beats 16%624 / 746
Total Risk-Based Capital Ratio10.75%11.71%14.33%18.43%Beats 15%632 / 746
Equity / Assets9.62%8.90%10.51%13.06%Beats 36%477 / 746
Liquidity & Funding
Loans / Deposits43.14%61.31%78.27%90.78%7th pctl697 / 746
Loans / Assets33.71%53.60%66.97%76.08%5th pctl706 / 746
Brokered Deposits / Depositsn/aNot reported for this institution