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Devon Bank

Chicago, IL · Cert 16249 · Devon Bcorp Inc.

State charter, non-member · FDIC · 3 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

5

Q2 2024Q2 2026peer median (50)

Asset Quality

42

Q2 2024Q2 2026peer median (50)

Profitability

9

Q2 2024Q2 2026peer median (50)

Liquidity

63

Q2 2024Q2 2026peer median

Efficiency

7

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

Devon Bank

Chicago, IL · Cert 16249 · Devon Bcorp Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$418.6MAssets
$195.4MLoans
$262.6MDeposits
$25.1MEquity
Loan mix
94%RE $185.5M5%C&I $9.7M1%Consumer $1.1MQ2 2025Q2 2026
Deposit mix
59%Interest-bearing $155.3M41%Noninterest $107.3MQ2 2025Q2 2026

NIM

4.51%Q2 ’244.51%Q2 ’254.51%Q2 ’26+18%+12%

Non-interest income vs. expense

4.22%Q2 ’244.49%Q2 ’254.49%Q2 ’26+18%+2%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.0% share · #90 of 147 inst. · $0.3B of $630.7B

Executive Summary

  • Earnings: ROA of -0.17%, up 23 bps year over year; NIM at 2.78%.
  • Asset quality: problem loans at 0.27% of loans (+9 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 6.27%, up 18 bps from a year ago.
  • Funding: loans stand at 74.40% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.17%+23 bps YoY

Net Interest Margin (YTD, annualized)

2.78%+30 bps YoY

Efficiency Ratio (YTD, annualized)

109.84%-652 bps YoY

Tier 1 Leverage Ratio

6.27%+18 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.40%-0.28%-0.14%-0.33%-0.17%+23 bps
Return on Equity-8.03%-5.46%-2.77%-5.91%-2.97%+505 bps
Net Interest Margin2.48%2.51%2.60%2.67%2.78%+30 bps
Efficiency Ratio116.36%111.37%109.61%115.22%109.84%-652 bps
Non-Interest Burden3.11%2.97%3.00%3.25%3.18%+7 bps
Growth
Asset Growth (YoY)-8.99%-8.24%-7.84%-9.44%-11.01%-202 bps
Loan Growth (YoY)-11.17%-11.98%-9.71%-6.00%-5.58%+559 bps
Deposit Growth (YoY)-6.82%-7.36%-9.12%-12.83%-15.64%-882 bps
Asset Quality
Nonperforming Loans / Loans0.18%0.19%0.17%0.17%0.27%+9 bps
Net Charge-Offs / Loans0.03%0.02%0.01%0.01%0.01%-2 bps
Allowance / Loans1.10%1.11%1.07%0.95%0.86%-23 bps
Allowance Coverage of NPLs6.2x6.0x6.3x5.6x3.2x-3.0x
Capital
Tier 1 Leverage Ratio6.09%6.10%6.04%6.12%6.27%+18 bps
Total Risk-Based Capital10.71%11.08%10.72%10.63%10.65%-5 bps
Equity / Assets5.02%5.30%5.57%5.75%6.00%+98 bps
Liquidity & Funding
Loans / Deposits66.48%64.72%66.89%70.74%74.40%+793 bps
Liquid Assets / Assets26.06%28.52%27.38%26.95%25.62%-45 bps
CRE / Total Capitaln/a434%464%467%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

Devon Bank

Chicago, IL · Cert 16249 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57) · Devon Bcorp Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$418.6MAssets
$195.4MLoans
$262.6MDeposits
$25.1MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 54% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 27 of 56).
  • Widest gap: equity / assets trails 100% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 57 of 57).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

-0.18%

Rank 52 of 57

Net Interest Margin

2.78%

Rank 48 of 57

Efficiency Ratio

109.84%

Rank 54 of 57

Equity / Assets

6.00%

Rank 57 of 57

Non-interest income vs. expense

$5.7M$19.4MINCOMEEXPENSE
Unfavorable gap of $13.8M · efficiency ratio beats 7% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 109.84%Peer median 69.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.18%0.51%0.84%1.19%Beats 9%52 / 57
Return on Equity-2.98%3.13%7.76%11.40%Beats 2%56 / 57
Net Interest Margin2.78%3.16%3.63%4.08%Beats 16%48 / 57
Efficiency Ratio109.84%59.57%69.70%81.06%Beats 7%54 / 57
Asset Quality
Nonperforming Loans / Loans0.27%0.06%0.34%1.78%Beats 54%27 / 56
Net Charge-Offs / Loans0.01%n/a0.00%0.01%Beats 29%41 / 56
Capital
Tier 1 Capital Ratio9.96%12.24%16.06%19.69%Beats 5%54 / 57
Total Risk-Based Capital Ratio10.65%12.54%16.50%20.95%Beats 9%52 / 57
Equity / Assets6.00%9.37%11.56%15.00%Beats 0%57 / 57
Liquidity & Funding
Loans / Deposits74.40%66.29%85.59%95.16%30th pctl40 / 57
Loans / Assets46.67%57.07%71.07%78.13%11th pctl51 / 57
Brokered Deposits / Depositsn/aNot reported for this institution