PackageTrendsPeer
Letter portraitLegal landscape

First National Bank in Olney

Olney, IL · Cert 14567 · Summit Bancshares Ltd.

National charter · OCC · 6 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 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

22

Q2 2024Q2 2026peer median (50)

Asset Quality

30

Q2 2024Q2 2026peer median (50)

Profitability

53

Q2 2024Q2 2026peer median (50)

Liquidity

34

Q2 2024Q2 2026peer median

Efficiency

63

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 Olney

Olney, IL · Cert 14567 · Summit Bancshares Ltd.

National charter · OCC · 6 branches

Q2 2026

$469.3MAssets
$231.1MLoans
$415.4MDeposits
$48.5MEquity
Loan mix
79%RE $158.1M17%C&I $33.6M4%Consumer $7.8MQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $331.2M20%Noninterest $84.2MQ2 2025Q2 2026

NIM

4.44%Q2 ’244.69%Q2 ’254.64%Q2 ’26+7%+4%

Non-interest income vs. expense

2.01%Q2 ’242.11%Q2 ’252.12%Q2 ’26+1%+2%

Executive Summary

  • Earnings: ROA of 1.20%, up 38 bps year over year; NIM at 3.13%.
  • Asset quality: problem loans at 1.60% of loans (+79 bps YoY), with net charge-offs at 0.09%.
  • Capital: tier 1 leverage ratio of 10.83%, up 22 bps from a year ago.
  • Funding: loans stand at 55.63% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.20%+38 bps YoY

Net Interest Margin (YTD, annualized)

3.13%+13 bps YoY

Efficiency Ratio (YTD, annualized)

60.14%-167 bps YoY

Tier 1 Leverage Ratio

10.83%+22 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.82%0.81%0.88%1.38%1.20%+38 bps
Return on Equity8.56%8.27%8.82%13.46%11.72%+315 bps
Net Interest Margin3.00%3.03%3.11%3.04%3.13%+13 bps
Efficiency Ratio61.81%60.69%60.71%60.49%60.14%-167 bps
Non-Interest Burden1.68%1.65%1.70%1.66%1.71%+3 bps
Growth
Asset Growth (YoY)1.34%-1.30%1.62%2.25%2.42%+108 bps
Loan Growth (YoY)4.99%2.00%-1.66%-7.09%-8.83%-1,382 bps
Deposit Growth (YoY)1.47%-1.47%0.39%1.45%1.92%+45 bps
Asset Quality
Nonperforming Loans / Loans0.81%0.92%1.08%1.46%1.60%+79 bps
Net Charge-Offs / Loans0.07%0.24%0.16%0.00%0.09%+1 bps
Allowance / Loans1.31%1.38%1.41%1.23%1.26%-5 bps
Allowance Coverage of NPLs1.6x1.5x1.3x0.8x0.8x-0.8x
Capital
Tier 1 Leverage Ratio10.61%10.80%10.90%10.83%10.83%+22 bps
Total Risk-Based Capital10.61%10.80%10.90%10.83%10.83%+22 bps
Equity / Assets9.90%10.55%10.51%9.99%10.33%+43 bps
Liquidity & Funding
Loans / Deposits62.19%63.66%61.42%55.22%55.63%-656 bps
Liquid Assets / Assets7.62%7.41%8.18%11.37%9.61%+198 bps
CRE / Total Capitaln/a74.83%78.85%75.26%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 Olney

Olney, IL · Cert 14567 · Peer group: banks under $1B in assets in IL (n=149-151) · Summit Bancshares Ltd.

National charter · OCC · 6 branches

Q2 2026

$469.3MAssets
$231.1MLoans
$415.4MDeposits
$48.5MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 66% of banks under $1B in assets in IL (rank 51 of 151).
  • Widest gap: total risk-based capital ratio trails 90% of banks under $1B in assets in IL (rank 136 of 151).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.20%

Rank 55 of 151

Net Interest Margin

3.13%

Rank 107 of 151

Efficiency Ratio

60.14%

Rank 57 of 151

Equity / Assets

10.33%

Rank 85 of 151

Non-interest income vs. expense

$2.0M$10.2MINCOMEEXPENSE
Unfavorable gap of $8.2M · efficiency ratio beats 63% of banks under $1B in assets in IL
Bank 60.14%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.20%0.70%1.03%1.34%Beats 64%55 / 151
Return on Equity11.58%6.74%9.34%12.94%Beats 66%51 / 151
Net Interest Margin3.13%3.02%3.43%3.83%Beats 29%107 / 151
Efficiency Ratio60.14%54.64%64.89%72.50%Beats 63%57 / 151
Asset Quality
Nonperforming Loans / Loans1.60%0.20%0.66%1.77%Beats 30%106 / 149
Net Charge-Offs / Loans0.05%0.00%0.02%0.07%Beats 29%107 / 149
Capital
Tier 1 Capital Ratio10.83%11.83%14.17%18.66%Beats 13%131 / 151
Total Risk-Based Capital Ratio10.83%12.22%14.54%19.92%Beats 10%136 / 151
Equity / Assets10.33%9.10%10.65%12.40%Beats 44%85 / 151
Liquidity & Funding
Loans / Deposits55.63%54.39%71.02%80.75%28th pctl107 / 149
Loans / Assets49.25%45.91%61.31%68.01%30th pctl106 / 151
Brokered Deposits / Depositsn/aNot reported for this institution