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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

$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

4.88%Q2 ’245.11%Q2 ’255.23%Q2 ’26+3%+5%

Non-interest income vs. expense

3.45%Q2 ’243.86%Q2 ’253.80%Q2 ’26+11%-2%

Executive Summary

  • Earnings: ROA of 0.82%, up 18 bps year over year; NIM at 4.05%.
  • Asset quality: problem loans at 0.26% of loans (-5 bps YoY), with net recoveries of 0.02%.
  • 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 (quarter, annualized)

0.82%+18 bps YoY

Net Interest Margin (quarter, annualized)

4.05%+18 bps YoY

Efficiency Ratio (quarter, annualized)

78.15%-448 bps YoY

Tier 1 Leverage Ratio

9.81%-36 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.64%0.78%0.50%0.67%0.82%+18 bps
Return on Equity6.52%7.83%4.89%6.79%8.70%+218 bps
Net Interest Margin3.88%3.89%3.94%3.80%4.05%+18 bps
Efficiency Ratio82.63%79.33%86.99%81.59%78.15%-448 bps
Non-Interest Burden3.06%2.91%3.32%2.96%2.99%-7 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%0.24%0.05%0.05%-0.02%0 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