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First Community Bank and Trust

Beecher, IL · Cert 15913 · First Community Bcorp Inc.

State charter, Fed member · FED · 2 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 Chicago-Naperville-Elgin, IL-IN 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 Chicago-Naperville-Elgin, IL-IN area (n=56 to 57). 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

42

Q2 2024Q2 2026peer median (50)

Asset Quality

65

Q2 2024Q2 2026peer median (50)

Profitability

85

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

79

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 Community Bank and Trust

Beecher, IL · Cert 15913 · First Community Bcorp Inc.

State charter, Fed member · FED · 2 branches

Q2 2026

$201.7MAssets
$94.0MLoans
$170.8MDeposits
$25.7MEquity
Loan mix
70%RE $65.8M26%C&I $24.6M3%Consumer $3.1MQ2 2025Q2 2026
Deposit mix
67%Interest-bearing $113.7M33%Noninterest $57.2MQ2 2025Q2 2026

NIM

4.65%Q2 ’244.95%Q2 ’255.08%Q2 ’26+5%+4%

Non-interest income vs. expense

2.59%Q2 ’242.72%Q2 ’252.69%Q2 ’26+7%-4%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.0% share · #104 of 147 inst. · $0.2B of $630.7B

Executive Summary

  • Earnings: ROA of 1.61%, up 61 bps year over year; NIM at 4.19%.
  • Asset quality: problem loans at 0.00% of loans (-337 bps YoY), with net recoveries of 0.22%.
  • Capital: tier 1 leverage ratio of 13.47%, down 18 bps from a year ago.
  • Funding: loans stand at 55.01% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.61%+61 bps YoY

Net Interest Margin (YTD, annualized)

4.19%+15 bps YoY

Efficiency Ratio (YTD, annualized)

56.19%-307 bps YoY

Tier 1 Leverage Ratio

13.47%-18 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.00%1.16%1.25%1.74%1.61%+61 bps
Return on Equity8.13%9.30%9.92%13.39%12.47%+434 bps
Net Interest Margin4.04%4.04%3.97%4.08%4.19%+15 bps
Efficiency Ratio59.26%57.39%57.31%55.61%56.19%-307 bps
Non-Interest Burden2.17%2.07%2.03%2.00%2.09%-8 bps
Growth
Asset Growth (YoY)-5.32%-1.07%-1.77%0.63%2.48%+780 bps
Loan Growth (YoY)-7.39%3.69%4.20%4.83%-4.33%+307 bps
Deposit Growth (YoY)-7.56%-3.19%-3.43%-0.36%2.18%+974 bps
Asset Quality
Nonperforming Loans / Loans3.37%2.56%0.00%0.00%0.00%-337 bps
Net Charge-Offs / Loans-0.13%0.72%0.72%-0.18%-0.22%-9 bps
Allowance / Loans1.66%1.08%0.99%0.96%1.21%-45 bps
Allowance Coverage of NPLs0.5x0.4xn/an/an/an/a
Capital
Tier 1 Leverage Ratio13.65%13.72%13.13%13.31%13.47%-18 bps
Total Risk-Based Capital13.65%13.72%13.13%13.31%13.47%-18 bps
Equity / Assets12.84%12.95%13.14%12.88%12.76%-8 bps
Liquidity & Funding
Loans / Deposits58.75%61.46%60.44%59.30%55.01%-374 bps
Liquid Assets / Assets10.44%12.22%8.84%10.98%12.87%+244 bps
CRE / Total Capitaln/a211%210%197.88%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 Community Bank and Trust

Beecher, IL · Cert 15913 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57) · First Community Bcorp Inc.

State charter, Fed member · FED · 2 branches

Q2 2026

$201.7MAssets
$94.0MLoans
$170.8MDeposits
$25.7MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 9 of 56).
  • Widest gap: net charge-offs / loans trails 70% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 40 of 56).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.61%

Rank 6 of 57

Net Interest Margin

4.19%

Rank 10 of 57

Efficiency Ratio

56.19%

Rank 13 of 57

Equity / Assets

12.76%

Rank 26 of 57

Non-interest income vs. expense

$1.2M$5.5MINCOMEEXPENSE
Unfavorable gap of $4.2M · efficiency ratio beats 79% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 56.19%Peer median 69.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.61%0.51%0.84%1.19%Beats 89%6 / 57
Return on Equity12.66%3.13%7.76%11.40%Beats 84%9 / 57
Net Interest Margin4.19%3.16%3.63%4.08%Beats 82%10 / 57
Efficiency Ratio56.19%59.57%69.70%81.06%Beats 79%13 / 57
Asset Quality
Nonperforming Loans / Loans0.00%0.06%0.34%1.78%Beats 100%9 / 56
Net Charge-Offs / Loans0.01%n/a0.00%0.01%Beats 30%40 / 56
Capital
Tier 1 Capital Ratio13.47%12.24%16.06%19.69%Beats 37%36 / 57
Total Risk-Based Capital Ratio13.47%12.54%16.50%20.95%Beats 35%37 / 57
Equity / Assets12.76%9.37%11.56%15.00%Beats 54%26 / 57
Liquidity & Funding
Loans / Deposits55.01%66.29%85.59%95.16%11th pctl51 / 57
Loans / Assets46.60%57.07%71.07%78.13%9th pctl52 / 57
Brokered Deposits / Depositsn/aNot reported for this institution