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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 $7.8MQ3 2024Q2 2026
Deposit mix
80%Interest-bearing $331.2M20%Noninterest $84.2MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.63%0.89%0.82%0.82%0.81%0.88%1.38%1.20%+38 bps
Return on Equity6.63%9.42%8.70%8.56%8.27%8.82%13.46%11.72%+315 bps
Net Interest Margin2.87%2.92%2.94%3.00%3.03%3.11%3.04%3.13%+13 bps
Efficiency Ratio63.35%63.27%63.28%61.81%60.69%60.71%60.49%60.14%-167 bps
Non-Interest Burden1.67%1.70%1.70%1.68%1.65%1.70%1.66%1.71%+3 bps
Growth
Asset Growth (YoY)5.20%3.34%3.67%1.34%-1.30%1.62%2.25%2.42%+108 bps
Loan Growth (YoY)7.73%4.64%5.05%4.99%2.00%-1.66%-7.09%-8.83%-1,382 bps
Deposit Growth (YoY)2.99%3.49%4.47%1.47%-1.47%0.39%1.45%1.92%+45 bps
Asset Quality
Nonperforming Loans / Loans0.58%0.49%0.41%0.81%0.92%1.08%1.46%1.60%+79 bps
Net Charge-Offs / Loans0.26%-0.07%0.14%0.07%0.24%0.16%0.00%0.09%+1 bps
Allowance / Loans1.40%1.15%1.18%1.31%1.38%1.41%1.23%1.26%-5 bps
Allowance Coverage of NPLs2.4x2.4x2.9x1.6x1.5x1.3x0.8x0.8x-0.8x
Capital
Tier 1 Leverage Ratio10.50%10.50%10.56%10.61%10.80%10.90%10.83%10.83%+22 bps
Total Risk-Based Capital10.50%10.50%10.56%10.61%10.80%10.90%10.83%10.83%+22 bps
Equity / Assets9.92%9.42%9.51%9.90%10.55%10.51%9.99%10.33%+43 bps
Liquidity & Funding
Loans / Deposits61.49%62.70%60.29%62.19%63.66%61.42%55.22%55.63%-656 bps
Liquid Assets / Assets5.93%4.30%8.14%7.62%7.41%8.18%11.37%9.61%+198 bps
CRE / Total Capitaln/an/an/an/a74.83%78.85%75.26%n/an/a