PackageTrendsPeer
Letter portraitLegal landscape

Trustbank

Olney, IL · Cert 14662 · Rich Land Bcorp Inc.

State charter, non-member · FDIC · 8 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating regionally3

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 operating regionally (n=94). 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

23

Q2 2024Q2 2026peer median (50)

Asset Quality

24

Q2 2024Q2 2026peer median (50)

Profitability

74

Q2 2024Q2 2026peer median (50)

Liquidity

28

Q2 2024Q2 2026peer median

Efficiency

54

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

Trustbank

Olney, IL · Cert 14662 · Rich Land Bcorp Inc.

State charter, non-member · FDIC · 8 branches

Q2 2026

$640.2MAssets
$547.1MLoans
$557.6MDeposits
$64.3MEquity
Loan mix
92%RE $450.2M7%C&I $32.9M1%Consumer $5.6MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $455.9M18%Noninterest $101.6MQ2 2025Q2 2026

NIM

5.59%Q2 ’245.75%Q2 ’255.79%Q2 ’26+7%+7%

Non-interest income vs. expense

3.20%Q2 ’243.22%Q2 ’253.39%Q2 ’26+3%-2%

Market Position · Phoenix-Mesa-Chandler, AZ · 2026 SOD (annual) · 0.1% share · #41 of 55 inst. · $0.1B of $192.0B

45.2% Richland
0.1% Maricopa
12.0% Douglas
0.1% DuPage

Executive Summary

  • Earnings: ROA of 1.53%, up 14 bps year over year; NIM at 3.96%.
  • Asset quality: problem loans at 0.73% of loans (-101 bps YoY), with net charge-offs at 0.26%.
  • Capital: tier 1 leverage ratio of 9.81%, up 36 bps from a year ago.
  • Funding: loans stand at 98.12% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.53%+14 bps YoY

Net Interest Margin (YTD, annualized)

3.96%+25 bps YoY

Efficiency Ratio (YTD, annualized)

61.31%-191 bps YoY

Tier 1 Leverage Ratio

9.81%+36 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.38%1.41%1.26%1.46%1.53%+14 bps
Return on Equity14.44%14.67%13.03%14.90%15.50%+107 bps
Net Interest Margin3.72%3.73%3.68%3.83%3.96%+25 bps
Efficiency Ratio63.22%63.64%66.15%64.16%61.31%-191 bps
Non-Interest Burden1.85%1.86%1.96%1.90%1.82%-3 bps
Growth
Asset Growth (YoY)5.32%6.86%7.27%6.32%7.64%+231 bps
Loan Growth (YoY)9.25%6.97%2.87%4.08%7.00%-225 bps
Deposit Growth (YoY)4.16%7.47%7.14%7.46%9.97%+581 bps
Asset Quality
Nonperforming Loans / Loans1.74%1.66%1.48%2.03%0.73%-101 bps
Net Charge-Offs / Loans0.00%0.00%0.03%0.01%0.26%+26 bps
Allowance / Loans1.18%1.20%1.23%1.23%1.14%-4 bps
Allowance Coverage of NPLs0.7x0.7x0.8x0.6x1.6x+0.9x
Capital
Tier 1 Leverage Ratio9.45%9.63%9.38%9.53%9.81%+36 bps
Total Risk-Based Capital9.45%9.63%9.38%9.53%9.81%+36 bps
Equity / Assets9.84%9.70%9.79%9.75%10.04%+21 bps
Liquidity & Funding
Loans / Deposits100.84%94.84%94.14%92.52%98.12%-272 bps
Liquid Assets / Assets1.60%7.02%6.69%7.81%1.46%-13 bps
CRE / Total Capitaln/a302%292%285%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

Trustbank

Olney, IL · Cert 14662 · Peer group: banks under $1B in assets operating regionally (n=94) · Rich Land Bcorp Inc.

State charter, non-member · FDIC · 8 branches

Q2 2026

$640.2MAssets
$547.1MLoans
$557.6MDeposits
$64.3MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 82% of banks under $1B in assets operating regionally (rank 17 of 94).
  • Widest gap: net charge-offs / loans trails 88% of banks under $1B in assets operating regionally (rank 84 of 94).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.52%

Rank 17 of 94

Net Interest Margin

3.96%

Rank 39 of 94

Efficiency Ratio

61.47%

Rank 44 of 94

Equity / Assets

10.04%

Rank 55 of 94

Non-interest income vs. expense

$10.0M$21.6MINCOMEEXPENSE
Unfavorable gap of $11.6M · efficiency ratio beats 54% of banks under $1B in assets operating regionally
Bank 61.47%Peer median 62.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.52%0.82%1.19%1.46%Beats 82%17 / 94
Return on Equity15.09%7.85%11.84%14.03%Beats 80%19 / 94
Net Interest Margin3.96%3.42%3.81%4.18%Beats 59%39 / 94
Efficiency Ratio61.47%55.99%62.41%73.02%Beats 54%44 / 94
Asset Quality
Nonperforming Loans / Loans0.73%0.19%0.47%1.14%Beats 36%61 / 94
Net Charge-Offs / Loans0.13%0.00%0.02%0.05%Beats 12%84 / 94
Capital
Tier 1 Capital Ratio9.81%10.28%11.95%15.07%Beats 15%80 / 94
Total Risk-Based Capital Ratio9.81%10.31%12.59%15.88%Beats 13%82 / 94
Equity / Assets10.04%8.98%10.21%11.41%Beats 41%55 / 94
Liquidity & Funding
Loans / Deposits98.12%72.62%84.44%94.55%80th pctl19 / 94
Loans / Assets85.45%62.50%72.84%78.99%89th pctl10 / 94
Brokered Deposits / Depositsn/aNot reported for this institution