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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 $5.8MQ3 2024Q2 2026
Deposit mix
78%Interest-bearing $97.0M22%Noninterest $27.5MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.08%1.08%1.12%4.26%3.22%2.71%1.28%1.21%-305 bps
Return on Equity13.80%14.22%17.22%62.98%44.59%36.99%16.20%15.05%-4,793 bps
Net Interest Margin3.42%3.33%3.56%3.67%3.77%3.75%3.72%3.79%+12 bps
Efficiency Ratio67.93%68.12%64.43%35.60%41.14%45.08%61.92%61.65%+2,605 bps
Non-Interest Burden2.22%2.14%2.18%-0.86%0.16%0.70%2.18%2.21%+307 bps
Growth
Asset Growth (YoY)5.09%1.67%1.81%0.91%1.69%-0.14%2.28%1.00%+9 bps
Loan Growth (YoY)9.28%10.85%9.81%12.13%13.39%14.26%14.77%15.25%+312 bps
Deposit Growth (YoY)-1.78%6.98%9.08%2.44%1.69%-2.76%-0.49%-1.03%-347 bps
Asset Quality
Nonperforming Loans / Loans1.80%1.52%1.47%1.76%1.58%1.80%1.93%2.01%+26 bps
Net Charge-Offs / Loans0.09%0.07%0.00%0.01%0.05%0.04%0.00%0.05%+4 bps
Allowance / Loans0.90%0.91%0.94%0.90%0.94%0.94%0.94%0.96%+6 bps
Allowance Coverage of NPLs0.5x0.6x0.6x0.5x0.6x0.5x0.5x0.5x0.0x
Capital
Tier 1 Leverage Ratio11.36%10.64%11.16%12.58%12.90%11.29%11.53%11.78%-80 bps
Total Risk-Based Capital25.27%23.83%24.11%26.17%26.08%22.86%22.67%22.92%-325 bps
Equity / Assets8.09%6.58%6.47%7.24%8.58%7.73%8.09%8.38%+114 bps
Liquidity & Funding
Loans / Deposits47.02%44.49%45.63%48.18%52.43%52.28%52.63%56.11%+793 bps
Liquid Assets / Assets2.90%4.80%3.09%3.13%3.25%1.39%2.50%0.44%-269 bps
CRE / Total Capitaln/an/an/an/a75.86%83.66%76.28%n/an/a