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First National Bank of Nokomis

Nokomis, IL · Cert 15763 · First Nokomis Bcorp Inc.

National charter · OCC · 4 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

64

Q2 2024Q2 2026peer median (50)

Asset Quality

41

Q2 2024Q2 2026peer median (50)

Profitability

60

Q2 2024Q2 2026peer median (50)

Liquidity

50

Q2 2024Q2 2026peer median

Efficiency

34

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 of Nokomis

Nokomis, IL · Cert 15763 · First Nokomis Bcorp Inc.

National charter · OCC · 4 branches

Q2 2026

$181.9MAssets
$95.1MLoans
$160.6MDeposits
$19.1MEquity
Loan mix
84%RE $69.0M12%C&I $10.0M4%Consumer $3.5MQ3 2024Q2 2026
Deposit mix
71%Interest-bearing $114.3M29%Noninterest $46.3MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.05%, up 6 bps year over year; NIM at 3.85%.
  • Asset quality: problem loans at 0.96% of loans (+53 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 10.89%, up 4 bps from a year ago.
  • Funding: loans stand at 59.20% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.05%+6 bps YoY

Net Interest Margin (YTD, annualized)

3.85%+29 bps YoY

Efficiency Ratio (YTD, annualized)

68.55%-127 bps YoY

Tier 1 Leverage Ratio

10.89%+4 bps YoY

NIM

4.11%Q2 ’244.38%Q2 ’254.59%Q2 ’26+7%+8%

Non-interest income vs. expense

2.72%Q2 ’242.84%Q2 ’253.01%Q2 ’26+0%+7%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.78%0.81%0.95%0.99%0.85%0.79%0.92%1.05%+6 bps
Return on Equity8.95%9.27%10.81%10.88%8.94%8.20%9.00%10.17%-71 bps
Net Interest Margin3.30%3.38%3.48%3.56%3.72%3.78%3.82%3.85%+29 bps
Efficiency Ratio72.35%72.37%71.07%69.82%69.24%69.29%72.11%68.55%-127 bps
Non-Interest Burden2.26%2.32%2.30%2.32%2.41%2.45%2.62%2.48%+15 bps
Growth
Asset Growth (YoY)1.59%-0.57%5.13%-0.82%-3.50%-0.22%-0.25%2.05%+287 bps
Loan Growth (YoY)11.51%4.15%1.99%-1.70%-3.36%3.10%-0.75%-2.54%-84 bps
Deposit Growth (YoY)-1.68%-1.30%4.20%-0.89%-4.88%-2.64%-1.70%1.01%+189 bps
Asset Quality
Nonperforming Loans / Loans0.12%0.18%0.28%0.43%0.48%1.22%1.20%0.96%+53 bps
Net Charge-Offs / Loans-0.01%-0.01%0.00%0.00%0.00%0.21%0.04%0.05%+5 bps
Allowance / Loans1.24%1.30%1.33%1.29%1.29%1.28%1.35%1.35%+6 bps
Allowance Coverage of NPLs10.5x7.2x4.8x3.0x2.7x1.0x1.1x1.4x-1.6x
Capital
Tier 1 Leverage Ratio10.98%10.59%10.61%10.85%11.26%10.79%10.84%10.89%+4 bps
Total Risk-Based Capital19.26%18.81%18.97%19.56%20.02%18.57%18.84%19.54%-2 bps
Equity / Assets9.60%8.55%8.93%9.77%10.59%10.50%10.03%10.48%+71 bps
Liquidity & Funding
Loans / Deposits62.31%59.97%57.28%61.35%63.31%63.50%57.83%59.20%-215 bps
Liquid Assets / Assets2.49%2.30%2.09%1.90%1.72%1.56%1.65%2.34%+45 bps
CRE / Total Capitaln/an/an/an/a59.18%63.43%58.48%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 of Nokomis

Nokomis, IL · Cert 15763 · Peer group: banks under $1B in assets in IL (n=149-151) · First Nokomis Bcorp Inc.

National charter · OCC · 4 branches

Q2 2026

$181.9MAssets
$95.1MLoans
$160.6MDeposits
$19.1MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 75% of banks under $1B in assets in IL (rank 37 of 151).
  • Widest gap: efficiency ratio trails 66% of banks under $1B in assets in IL (rank 100 of 151).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.04%

Rank 74 of 151

Net Interest Margin

3.85%

Rank 37 of 151

Efficiency Ratio

69.14%

Rank 100 of 151

Equity / Assets

10.48%

Rank 81 of 151

Non-interest income vs. expense

$1.0M$5.6MINCOMEEXPENSE
Unfavorable gap of $4.6M · efficiency ratio beats 34% of banks under $1B in assets in IL
Bank 69.14%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.04%0.70%1.03%1.34%Beats 51%74 / 151
Return on Equity9.97%6.74%9.34%12.94%Beats 55%68 / 151
Net Interest Margin3.85%3.02%3.43%3.83%Beats 75%37 / 151
Efficiency Ratio69.14%54.64%64.89%72.50%Beats 34%100 / 151
Asset Quality
Nonperforming Loans / Loans0.96%0.20%0.66%1.77%Beats 42%88 / 149
Net Charge-Offs / Loans0.03%0.00%0.02%0.07%Beats 40%91 / 149
Capital
Tier 1 Capital Ratio18.34%11.83%14.17%18.66%Beats 73%41 / 151
Total Risk-Based Capital Ratio19.54%12.22%14.54%19.92%Beats 74%39 / 151
Equity / Assets10.48%9.10%10.65%12.40%Beats 46%81 / 151
Liquidity & Funding
Loans / Deposits59.20%54.39%71.02%80.75%31st pctl103 / 149
Loans / Assets52.27%45.91%61.31%68.01%36th pctl97 / 151
Brokered Deposits / Depositsn/aNot reported for this institution