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1NB Bank

Carlyle, IL · Cert 14761 · First Natl Bcorp Carlyle Inc.

State charter, Fed member · FED · 5 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 the St. Louis, MO-IL area3

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 the St. Louis, MO-IL area (n=38 to 40). 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

31

Q2 2024Q2 2026peer median (50)

Asset Quality

62

Q2 2024Q2 2026peer median (50)

Profitability

52

Q2 2024Q2 2026peer median (50)

Liquidity

82

Q2 2024Q2 2026peer median

Efficiency

80

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

1NB Bank

Carlyle, IL · Cert 14761 · First Natl Bcorp Carlyle Inc.

State charter, Fed member · FED · 5 branches

Q2 2026

$319.0MAssets
$214.3MLoans
$260.1MDeposits
$30.1MEquity
Loan mix
84%RE $158.5M12%C&I $22.2M4%Consumer $7.5MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $214.4M18%Noninterest $45.7MQ2 2025Q2 2026

NIM

3.94%Q2 ’244.23%Q2 ’254.60%Q2 ’26+25%+19%

Non-interest income vs. expense

1.66%Q2 ’241.83%Q2 ’251.88%Q2 ’26+17%+4%

Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.2% share · #61 of 111 inst. · $0.3B of $141.7B

16.1% Clinton
0.0% Cape Girardeau

Executive Summary

  • Earnings: ROA of 1.08%, up 28 bps year over year; NIM at 3.16%.
  • Asset quality: problem loans at 0.07% of loans (-27 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 10.29%, up 14 bps from a year ago.
  • Funding: loans stand at 82.40% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.08%+28 bps YoY

Net Interest Margin (YTD, annualized)

3.16%+51 bps YoY

Efficiency Ratio (YTD, annualized)

52.99%-714 bps YoY

Tier 1 Leverage Ratio

10.29%+14 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.81%0.90%1.01%0.92%1.08%+28 bps
Return on Equity9.49%10.35%11.42%9.86%11.56%+206 bps
Net Interest Margin2.65%2.67%2.71%3.09%3.16%+51 bps
Efficiency Ratio60.13%58.09%53.18%57.73%52.99%-714 bps
Non-Interest Burden1.51%1.46%1.34%1.72%1.57%+6 bps
Growth
Asset Growth (YoY)0.34%0.82%1.89%5.17%8.84%+851 bps
Loan Growth (YoY)8.44%14.86%14.13%22.51%22.62%+1,417 bps
Deposit Growth (YoY)-1.67%0.14%2.30%2.58%4.78%+645 bps
Asset Quality
Nonperforming Loans / Loans0.34%0.36%0.49%0.37%0.07%-27 bps
Net Charge-Offs / Loans0.14%0.13%0.10%-0.07%0.01%-13 bps
Allowance / Loans1.09%1.00%0.99%0.99%1.01%-8 bps
Allowance Coverage of NPLs3.2x2.7x2.0x2.7x14.9x+11.8x
Capital
Tier 1 Leverage Ratio10.16%10.14%10.14%10.11%10.29%+14 bps
Total Risk-Based Capital10.16%10.14%10.14%10.11%10.29%+14 bps
Equity / Assets9.02%9.27%9.39%9.34%9.44%+42 bps
Liquidity & Funding
Loans / Deposits70.41%72.17%75.92%78.59%82.40%+1,199 bps
Liquid Assets / Assets2.41%2.30%2.09%1.58%1.57%-84 bps
CRE / Total Capitaln/a184.49%204%237%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

1NB Bank

Carlyle, IL · Cert 14761 · Peer group: banks under $1B in assets in the St. Louis, MO-IL area (n=38-40) · First Natl Bcorp Carlyle Inc.

State charter, Fed member · FED · 5 branches

Q2 2026

$319.0MAssets
$214.3MLoans
$260.1MDeposits
$30.1MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 87% of banks under $1B in assets in the St. Louis, MO-IL area (rank 6 of 38).
  • Widest gap: total risk-based capital ratio trails 80% of banks under $1B in assets in the St. Louis, MO-IL area (rank 32 of 40).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.06%

Rank 18 of 40

Net Interest Margin

3.16%

Rank 25 of 40

Efficiency Ratio

54.20%

Rank 9 of 40

Equity / Assets

9.44%

Rank 21 of 40

Non-interest income vs. expense

$1.0M$6.0MINCOMEEXPENSE
Unfavorable gap of $5.0M · efficiency ratio beats 80% of banks under $1B in assets in the St. Louis, MO-IL area
Bank 54.20%Peer median 64.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.06%0.64%1.04%1.26%Beats 55%18 / 40
Return on Equity11.22%6.25%9.97%13.41%Beats 63%15 / 40
Net Interest Margin3.16%3.09%3.22%3.62%Beats 38%25 / 40
Efficiency Ratio54.20%57.08%64.37%75.86%Beats 80%9 / 40
Asset Quality
Nonperforming Loans / Loans0.07%0.14%0.62%1.92%Beats 87%6 / 38
Net Charge-Offs / Loans0.02%0.00%0.01%0.09%Beats 37%25 / 38
Capital
Tier 1 Capital Ratio10.29%10.29%12.88%15.77%Beats 25%30 / 40
Total Risk-Based Capital Ratio10.29%10.64%13.30%17.01%Beats 20%32 / 40
Equity / Assets9.44%8.59%9.46%12.46%Beats 48%21 / 40
Liquidity & Funding
Loans / Deposits82.40%66.12%79.48%94.60%57th pctl17 / 40
Loans / Assets67.18%54.69%68.52%77.46%40th pctl24 / 40
Brokered Deposits / Depositsn/aNot reported for this institution