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Bank of Calhoun County

Hardin, IL · Cert 12549 · BCC Bancshares Inc.

State charter, non-member · FDIC · 3 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 the St. Louis, MO-IL area3

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 the St. Louis, MO-IL area (n=38 to 40). 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

86

Q2 2024Q2 2026peer median (50)

Profitability

58

Q2 2024Q2 2026peer median (50)

Liquidity

44

Q2 2024Q2 2026peer median

Efficiency

65

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 Calhoun County

Hardin, IL · Cert 12549 · BCC Bancshares Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$99.5MAssets
$52.7MLoans
$89.7MDeposits
$9.3MEquity
Loan mix
91%RE $46.4M4%C&I $1.8M5%Consumer $2.6MQ3 2024Q2 2026
Deposit mix
76%Interest-bearing $68.2M24%Noninterest $21.5MQ3 2024Q2 2026

Return on Assets (YTD, annualized)

1.07%+5 bps YoY

Net Interest Margin (YTD, annualized)

3.32%+21 bps YoY

Efficiency Ratio (YTD, annualized)

61.09%+153 bps YoY

Tier 1 Leverage Ratio

9.72%+36 bps YoY

NIM

4.15%Q2 ’244.41%Q2 ’254.58%Q2 ’26+4%+7%

Non-interest income vs. expense

1.90%Q2 ’241.99%Q2 ’252.16%Q2 ’26+6%+11%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Return on Assets0.97%0.98%0.88%1.02%0.97%0.99%0.95%1.07%+5 bps
Net Interest Margin2.99%3.04%2.95%3.11%3.15%3.17%3.22%3.32%+21 bps
Non-Interest Burden1.66%1.73%1.71%1.76%1.81%1.90%2.05%1.94%+19 bps
Loan Growth (YoY)6.66%5.78%2.05%3.09%3.34%7.87%9.84%11.15%+806 bps
Nonperforming Loans / Loans0.00%0.00%0.02%0.03%0.01%0.02%0.01%0.23%+20 bps
Allowance / Loans0.60%0.59%0.61%0.60%0.58%0.54%0.54%0.53%-7 bps
Tier 1 Leverage Ratio8.84%8.86%9.12%9.36%9.61%9.46%9.60%9.72%+36 bps
Equity / Assets8.74%8.93%8.97%9.35%9.29%9.54%9.54%9.37%+3 bps
Liquid Assets / Assets29.35%22.19%31.26%29.60%29.18%25.80%23.91%25.55%-405 bps

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 Calhoun County

Hardin, IL · Cert 12549 · Peer group: banks under $1B in assets in the St. Louis, MO-IL area (n=38-40) · BCC Bancshares Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$99.5MAssets
$52.7MLoans
$89.7MDeposits
$9.3MEquity

Return on Assets

1.05%

Rank 19 of 40

Net Interest Margin

3.32%

Rank 18 of 40

Efficiency Ratio

61.09%

Rank 15 of 40

Equity / Assets

9.37%

Rank 22 of 40

Non-interest income vs. expense

$0.2M$2.1MINCOMEEXPENSE
Unfavorable gap of $1.9M · efficiency ratio beats 65% of banks under $1B in assets in the St. Louis, MO-IL area
Bank 61.09%Peer median 64.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Return on Assets1.05%0.64%1.04%1.26%Beats 53%19 / 40
Net Interest Margin3.32%3.09%3.22%3.62%Beats 55%18 / 40
Nonperforming Loans / Loans0.23%0.14%0.62%1.92%Beats 71%12 / 38
Tier 1 Capital Ratio18.74%10.29%12.88%15.77%Beats 85%6 / 40
Equity / Assets9.37%8.59%9.46%12.46%Beats 45%22 / 40
Loans / Assets52.96%54.69%68.52%77.46%23rd pctl31 / 40