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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 $3.5MQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $114.3M29%Noninterest $46.3MQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.99%0.85%0.79%0.92%1.05%+6 bps
Return on Equity10.88%8.94%8.20%9.00%10.17%-71 bps
Net Interest Margin3.56%3.72%3.78%3.82%3.85%+29 bps
Efficiency Ratio69.82%69.24%69.29%72.11%68.55%-127 bps
Non-Interest Burden2.32%2.41%2.45%2.62%2.48%+15 bps
Growth
Asset Growth (YoY)-0.82%-3.50%-0.22%-0.25%2.05%+287 bps
Loan Growth (YoY)-1.70%-3.36%3.10%-0.75%-2.54%-84 bps
Deposit Growth (YoY)-0.89%-4.88%-2.64%-1.70%1.01%+189 bps
Asset Quality
Nonperforming Loans / Loans0.43%0.48%1.22%1.20%0.96%+53 bps
Net Charge-Offs / Loans0.00%0.00%0.21%0.04%0.05%+5 bps
Allowance / Loans1.29%1.29%1.28%1.35%1.35%+6 bps
Allowance Coverage of NPLs3.0x2.7x1.0x1.1x1.4x-1.6x
Capital
Tier 1 Leverage Ratio10.85%11.26%10.79%10.84%10.89%+4 bps
Total Risk-Based Capital19.56%20.02%18.57%18.84%19.54%-2 bps
Equity / Assets9.77%10.59%10.50%10.03%10.48%+71 bps
Liquidity & Funding
Loans / Deposits61.35%63.31%63.50%57.83%59.20%-215 bps
Liquid Assets / Assets1.90%1.72%1.56%1.65%2.34%+45 bps
CRE / Total Capitaln/a59.18%63.43%58.48%n/an/a