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First National Bank in Pinckneyville

Pinckneyville, IL · Cert 13813 · First Perry Bcorp Inc.

National charter · OCC · 1 branch

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

62

Q2 2024Q2 2026peer median (50)

Asset Quality

30

Q2 2024Q2 2026peer median (50)

Profitability

76

Q2 2024Q2 2026peer median (50)

Liquidity

36

Q2 2024Q2 2026peer median

Efficiency

60

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 National Bank in Pinckneyville

Pinckneyville, IL · Cert 13813 · First Perry Bcorp Inc.

National charter · OCC · 1 branch

Q2 2026

$138.4MAssets
$69.9MLoans
$124.5MDeposits
$11.6MEquity
Loan mix
90%RE $58.9M2%C&I $1.0M9%Consumer $5.8MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $97.0M22%Noninterest $27.5MQ2 2025Q2 2026

NIM

4.25%Q2 ’244.43%Q2 ’254.55%Q2 ’26+5%+3%

Non-interest income vs. expense

2.55%Q2 ’242.50%Q2 ’252.52%Q2 ’26-138%+358%

Executive Summary

  • Earnings: ROA of 1.21%, down 305 bps year over year; NIM at 3.79%.
  • Asset quality: problem loans at 2.01% of loans (+26 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 11.78%, down 80 bps from a year ago.
  • Funding: loans stand at 56.11% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.21%-305 bps YoY

Net Interest Margin (YTD, annualized)

3.79%+12 bps YoY

Efficiency Ratio (YTD, annualized)

61.65%+2,605 bps YoY

Tier 1 Leverage Ratio

11.78%-80 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets4.26%3.22%2.71%1.28%1.21%-305 bps
Return on Equity62.98%44.59%36.99%16.20%15.05%-4,793 bps
Net Interest Margin3.67%3.77%3.75%3.72%3.79%+12 bps
Efficiency Ratio35.60%41.14%45.08%61.92%61.65%+2,605 bps
Non-Interest Burden-0.86%0.16%0.70%2.18%2.21%+307 bps
Growth
Asset Growth (YoY)0.91%1.69%-0.14%2.28%1.00%+9 bps
Loan Growth (YoY)12.13%13.39%14.26%14.77%15.25%+312 bps
Deposit Growth (YoY)2.44%1.69%-2.76%-0.49%-1.03%-347 bps
Asset Quality
Nonperforming Loans / Loans1.76%1.58%1.80%1.93%2.01%+26 bps
Net Charge-Offs / Loans0.01%0.05%0.04%0.00%0.05%+4 bps
Allowance / Loans0.90%0.94%0.94%0.94%0.96%+6 bps
Allowance Coverage of NPLs0.5x0.6x0.5x0.5x0.5x0.0x
Capital
Tier 1 Leverage Ratio12.58%12.90%11.29%11.53%11.78%-80 bps
Total Risk-Based Capital26.17%26.08%22.86%22.67%22.92%-325 bps
Equity / Assets7.24%8.58%7.73%8.09%8.38%+114 bps
Liquidity & Funding
Loans / Deposits48.18%52.43%52.28%52.63%56.11%+793 bps
Liquid Assets / Assets3.13%3.25%1.39%2.50%0.44%-269 bps
CRE / Total Capitaln/a75.86%83.66%76.28%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 National Bank in Pinckneyville

Pinckneyville, IL · Cert 13813 · Peer group: banks under $1B in assets in IL (n=149-151) · First Perry Bcorp Inc.

National charter · OCC · 1 branch

Q2 2026

$138.4MAssets
$69.9MLoans
$124.5MDeposits
$11.6MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 86% of banks under $1B in assets in IL (rank 21 of 151).
  • Widest gap: equity / assets trails 83% of banks under $1B in assets in IL (rank 125 of 151).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.22%

Rank 50 of 151

Net Interest Margin

3.79%

Rank 39 of 151

Efficiency Ratio

61.65%

Rank 62 of 151

Equity / Assets

8.38%

Rank 125 of 151

Non-interest income vs. expense

$0.4M$3.5MINCOMEEXPENSE
Unfavorable gap of $3.1M · efficiency ratio beats 60% of banks under $1B in assets in IL
Bank 61.65%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.22%0.70%1.03%1.34%Beats 67%50 / 151
Return on Equity14.50%6.74%9.34%12.94%Beats 86%21 / 151
Net Interest Margin3.79%3.02%3.43%3.83%Beats 74%39 / 151
Efficiency Ratio61.65%54.64%64.89%72.50%Beats 60%62 / 151
Asset Quality
Nonperforming Loans / Loans2.01%0.20%0.66%1.77%Beats 20%120 / 149
Net Charge-Offs / Loans0.03%0.00%0.02%0.07%Beats 39%92 / 149
Capital
Tier 1 Capital Ratio22.01%11.83%14.17%18.66%Beats 85%22 / 151
Total Risk-Based Capital Ratio22.92%12.22%14.54%19.92%Beats 85%22 / 151
Equity / Assets8.38%9.10%10.65%12.40%Beats 17%125 / 151
Liquidity & Funding
Loans / Deposits56.11%54.39%71.02%80.75%29th pctl106 / 149
Loans / Assets50.47%45.91%61.31%68.01%34th pctl100 / 151
Brokered Deposits / Depositsn/aNot reported for this institution