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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

5.17%Q2 ’245.22%Q2 ’255.41%Q2 ’26-1%+7%

Non-interest income vs. expense

3.16%Q2 ’243.04%Q2 ’253.27%Q2 ’26-4%+8%

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 0.71%, up 13 bps year over year; NIM at 3.94%.
  • 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 (quarter, annualized)

0.71%+13 bps YoY

Net Interest Margin (quarter, annualized)

3.94%+26 bps YoY

Efficiency Ratio (quarter, annualized)

78.71%+49 bps YoY

Tier 1 Leverage Ratio

8.32%+19 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.58%0.97%0.61%0.74%0.71%+13 bps
Return on Equity8.05%13.00%7.87%9.48%8.99%+94 bps
Net Interest Margin3.68%4.00%3.99%3.99%3.94%+26 bps
Efficiency Ratio78.22%69.88%81.07%77.20%78.71%+49 bps
Non-Interest Burden2.83%2.74%3.19%3.03%3.05%+22 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 / Loans0.02%-0.05%0.00%0.00%0.00%-3 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