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Letter portraitLegal landscapeQuarterYTD

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 $2.6MQ2 2025Q2 2026
Deposit mix
76%Interest-bearing $68.2M24%Noninterest $21.5MQ2 2025Q2 2026

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%

Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.1% share · #78 of 111 inst. · $0.1B of $141.7B

44.8% Calhoun
2.6% Jersey

Executive Summary

  • Earnings: ROA of 1.07%, up 5 bps year over year; NIM at 3.32%.
  • Asset quality: problem loans at 0.23% of loans (+20 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.72%, up 36 bps from a year ago.
  • Funding: loans stand at 58.75% of deposits as of Q2 2026.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.02%0.97%0.99%0.95%1.07%+5 bps
Return on Equity11.26%10.65%10.73%9.91%11.32%+6 bps
Net Interest Margin3.11%3.15%3.17%3.22%3.32%+21 bps
Efficiency Ratio59.56%60.59%62.63%65.79%61.09%+153 bps
Non-Interest Burden1.76%1.81%1.90%2.05%1.94%+19 bps
Growth
Asset Growth (YoY)-2.13%0.66%1.15%-0.32%4.04%+617 bps
Loan Growth (YoY)3.09%3.34%7.87%9.84%11.15%+806 bps
Deposit Growth (YoY)-3.26%0.01%0.44%-0.94%4.12%+738 bps
Asset Quality
Nonperforming Loans / Loans0.03%0.01%0.02%0.01%0.23%+20 bps
Net Charge-Offs / Loans-0.02%0.00%0.00%-0.01%0.00%+2 bps
Allowance / Loans0.60%0.58%0.54%0.54%0.53%-7 bps
Allowance Coverage of NPLs23.8x46.8x31.2x40.3x2.3x-21.5x
Capital
Tier 1 Leverage Ratio9.36%9.61%9.46%9.60%9.72%+36 bps
Total Risk-Based Capital19.83%19.47%18.95%19.84%19.30%-53 bps
Equity / Assets9.35%9.29%9.54%9.54%9.37%+3 bps
Liquidity & Funding
Loans / Deposits55.03%54.57%59.49%59.45%58.75%+372 bps
Liquid Assets / Assets29.60%29.18%25.80%23.91%25.55%-405 bps
CRE / Total Capitaln/a109.83%121.73%118.42%n/an/a