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Forest Park National Bank and Trust Company

Forest Park, IL · Cert 15945 · First Forest Park Corp.

National charter · OCC · 2 branches

Q2 2026

$322.4MAssets
$252.8MLoans
$288.0MDeposits
$25.5MEquity
Loan mix
95%RE $234.5M4%C&I $11.0M0%Consumer $0.2MQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $228.7M21%Noninterest $59.3MQ2 2025Q2 2026

NIM

5.10%Q2 ’245.17%Q2 ’255.39%Q2 ’26-2%+8%

Non-interest income vs. expense

3.18%Q2 ’243.11%Q2 ’253.25%Q2 ’26-2%+4%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.0% share · #88 of 147 inst. · $0.3B of $630.7B

Executive Summary

  • Earnings: ROA of 0.73%, up 21 bps year over year; NIM at 3.95%.
  • Asset quality: problem loans at 2.48% of loans (-26 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.32%, up 19 bps from a year ago.
  • Funding: loans stand at 87.79% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.73%+21 bps YoY

Net Interest Margin (YTD, annualized)

3.95%+31 bps YoY

Efficiency Ratio (YTD, annualized)

77.95%-318 bps YoY

Tier 1 Leverage Ratio

8.32%+19 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.51%0.67%0.65%0.74%0.73%+21 bps
Return on Equity7.34%9.30%8.97%9.48%9.22%+188 bps
Net Interest Margin3.64%3.77%3.81%3.99%3.95%+31 bps
Efficiency Ratio81.13%77.17%78.19%77.20%77.95%-318 bps
Non-Interest Burden2.92%2.87%2.94%3.03%3.03%+11 bps
Growth
Asset Growth (YoY)4.03%1.56%-2.11%-0.43%0.26%-376 bps
Loan Growth (YoY)9.56%5.47%4.79%-0.53%0.19%-937 bps
Deposit Growth (YoY)2.19%0.11%-2.84%0.25%1.28%-91 bps
Asset Quality
Nonperforming Loans / Loans2.74%2.70%2.48%2.60%2.48%-26 bps
Net Charge-Offs / Loans0.01%-0.01%-0.01%0.00%0.00%-2 bps
Allowance / Loans1.17%1.19%1.18%1.23%1.21%+4 bps
Allowance Coverage of NPLs0.4x0.4x0.5x0.5x0.5x+0.1x
Capital
Tier 1 Leverage Ratio8.13%8.32%8.28%8.36%8.32%+19 bps
Total Risk-Based Capital11.53%11.78%11.60%12.02%11.86%+33 bps
Equity / Assets7.32%7.65%7.86%7.84%7.92%+60 bps
Liquidity & Funding
Loans / Deposits88.75%88.30%91.47%86.27%87.79%-96 bps
Liquid Assets / Assets1.34%2.93%1.48%4.98%4.15%+281 bps
CRE / Total Capitaln/a638%648%615%n/an/a