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First State Bank of Dongola, The

Dongola, IL · Cert 12098 · Tri-County Holdings Inc.

State charter, Fed member · FED · 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

61

Q2 2024Q2 2026peer median (50)

Asset Quality

63

Q2 2024Q2 2026peer median (50)

Profitability

47

Q2 2024Q2 2026peer median (50)

Liquidity

31

Q2 2024Q2 2026peer median

Efficiency

15

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 Dongola, The

Dongola, IL · Cert 12098 · Tri-County Holdings Inc.

State charter, Fed member · FED · 2 branches

Q2 2026

$34.7MAssets
$17.1MLoans
$31.2MDeposits
$3.3MEquity
Loan mix
74%RE $12.0M11%C&I $1.7M15%Consumer $2.5MQ2 2025Q2 2026
Deposit mix
77%Interest-bearing $24.2M23%Noninterest $7.0MQ2 2025Q2 2026

NIM

4.76%Q2 ’245.03%Q2 ’255.09%Q2 ’26+4%+2%

Non-interest income vs. expense

3.49%Q2 ’243.80%Q2 ’253.74%Q2 ’26+7%-1%

Executive Summary

  • Earnings: ROA of 0.75%, up 8 bps year over year; NIM at 3.90%.
  • Asset quality: problem loans at 0.26% of loans (-5 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 9.81%, down 36 bps from a year ago.
  • Funding: loans stand at 54.88% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.75%+8 bps YoY

Net Interest Margin (YTD, annualized)

3.90%+8 bps YoY

Efficiency Ratio (YTD, annualized)

79.80%-192 bps YoY

Tier 1 Leverage Ratio

9.81%-36 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.67%0.71%0.66%0.67%0.75%+8 bps
Return on Equity6.87%7.18%6.61%6.79%7.75%+87 bps
Net Interest Margin3.82%3.85%3.83%3.80%3.90%+8 bps
Efficiency Ratio81.72%80.91%82.46%81.59%79.80%-192 bps
Non-Interest Burden2.97%2.95%3.01%2.96%2.96%-2 bps
Growth
Asset Growth (YoY)2.75%4.80%0.81%9.17%7.58%+483 bps
Loan Growth (YoY)4.97%3.61%3.79%5.10%3.25%-172 bps
Deposit Growth (YoY)2.16%4.73%1.93%9.55%7.98%+582 bps
Asset Quality
Nonperforming Loans / Loans0.31%0.35%0.27%0.28%0.26%-5 bps
Net Charge-Offs / Loans-0.02%0.06%0.06%0.05%0.01%+4 bps
Allowance / Loans1.10%1.02%1.00%0.99%0.99%-11 bps
Allowance Coverage of NPLs3.6x2.9x3.7x3.5x3.8x+0.3x
Capital
Tier 1 Leverage Ratio10.16%10.33%10.34%10.03%9.81%-36 bps
Total Risk-Based Capital19.72%19.78%20.34%20.79%20.02%+31 bps
Equity / Assets9.83%10.10%10.19%9.46%9.51%-32 bps
Liquidity & Funding
Loans / Deposits57.40%58.66%58.11%53.13%54.88%-252 bps
Liquid Assets / Assets22.34%21.00%20.42%19.85%19.00%-334 bps
CRE / Total Capitaln/a104.59%69.19%75.77%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 Dongola, The

Dongola, IL · Cert 12098 · Peer group: banks under $1B in assets in IL (n=149-151) · Tri-County Holdings Inc.

State charter, Fed member · FED · 2 branches

Q2 2026

$34.7MAssets
$17.1MLoans
$31.2MDeposits
$3.3MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 80% of banks under $1B in assets in IL (rank 30 of 151).
  • Widest gap: efficiency ratio trails 85% of banks under $1B in assets in IL (rank 130 of 151).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.74%

Rank 112 of 151

Net Interest Margin

3.90%

Rank 30 of 151

Efficiency Ratio

79.80%

Rank 130 of 151

Equity / Assets

9.51%

Rank 102 of 151

Non-interest income vs. expense

$0.3M$1.3MINCOMEEXPENSE
Unfavorable gap of $1.0M · efficiency ratio beats 15% of banks under $1B in assets in IL
Bank 79.80%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.74%0.70%1.03%1.34%Beats 26%112 / 151
Return on Equity7.81%6.74%9.34%12.94%Beats 36%97 / 151
Net Interest Margin3.90%3.02%3.43%3.83%Beats 80%30 / 151
Efficiency Ratio79.80%54.64%64.89%72.50%Beats 15%130 / 151
Asset Quality
Nonperforming Loans / Loans0.26%0.20%0.66%1.77%Beats 69%47 / 149
Net Charge-Offs / Loans0.01%0.00%0.02%0.07%Beats 56%66 / 149
Capital
Tier 1 Capital Ratio19.06%11.83%14.17%18.66%Beats 76%36 / 151
Total Risk-Based Capital Ratio20.02%12.22%14.54%19.92%Beats 76%36 / 151
Equity / Assets9.51%9.10%10.65%12.40%Beats 32%102 / 151
Liquidity & Funding
Loans / Deposits54.88%54.39%71.02%80.75%26th pctl110 / 149
Loans / Assets49.42%45.91%61.31%68.01%30th pctl105 / 151
Brokered Deposits / Depositsn/aNot reported for this institution