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Letter portraitLegal landscapeQuarterYTD

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 $2.5MQ3 2024Q2 2026
Deposit mix
77%Interest-bearing $24.2M23%Noninterest $7.0MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.57%0.56%0.70%0.67%0.71%0.66%0.67%0.75%+8 bps
Return on Equity6.05%5.91%7.20%6.87%7.18%6.61%6.79%7.75%+87 bps
Net Interest Margin3.74%3.72%3.80%3.82%3.85%3.83%3.80%3.90%+8 bps
Efficiency Ratio83.32%83.74%80.80%81.72%80.91%82.46%81.59%79.80%-192 bps
Non-Interest Burden2.99%3.00%2.91%2.97%2.95%3.01%2.96%2.96%-2 bps
Growth
Asset Growth (YoY)1.77%5.08%0.34%2.75%4.80%0.81%9.17%7.58%+483 bps
Loan Growth (YoY)11.69%12.94%2.64%4.97%3.61%3.79%5.10%3.25%-172 bps
Deposit Growth (YoY)1.56%3.02%-0.26%2.16%4.73%1.93%9.55%7.98%+582 bps
Asset Quality
Nonperforming Loans / Loans0.31%1.51%0.34%0.31%0.35%0.27%0.28%0.26%-5 bps
Net Charge-Offs / Loans0.00%0.02%-0.02%-0.02%0.06%0.06%0.05%0.01%+4 bps
Allowance / Loans1.12%1.10%1.12%1.10%1.02%1.00%0.99%0.99%-11 bps
Allowance Coverage of NPLs3.6x0.7x3.4x3.6x2.9x3.7x3.5x3.8x+0.3x
Capital
Tier 1 Leverage Ratio10.47%10.48%10.42%10.16%10.33%10.34%10.03%9.81%-36 bps
Total Risk-Based Capital20.35%19.81%20.96%19.72%19.78%20.34%20.79%20.02%+31 bps
Equity / Assets10.02%9.58%9.87%9.83%10.10%10.19%9.46%9.51%-32 bps
Liquidity & Funding
Loans / Deposits59.30%57.07%55.38%57.40%58.66%58.11%53.13%54.88%-252 bps
Liquid Assets / Assets26.68%30.31%27.10%22.34%21.00%20.42%19.85%19.00%-334 bps
CRE / Total Capitaln/an/an/an/a104.59%69.19%75.77%n/an/a