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First State Bank and Trust

Monticello, IL · Cert 16332 · First St Bcorp Monticello Employee STK Ownership Plan

State charter, non-member · FDIC · 8 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

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 operating in a single state (n=743 to 746). 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

65

Q2 2024Q2 2026peer median (50)

Asset Quality

55

Q2 2024Q2 2026peer median (50)

Profitability

67

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

52

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 State Bank and Trust

Monticello, IL · Cert 16332 · First St Bcorp Monticello Employee STK Ownership Plan

State charter, non-member · FDIC · 8 branches

Q2 2026

$509.6MAssets
$200.7MLoans
$464.3MDeposits
$43.1MEquity
Loan mix
93%RE $170.7M4%C&I $8.0M2%Consumer $3.9MQ2 2025Q2 2026
Deposit mix
70%Interest-bearing $326.2M30%Noninterest $138.0MQ2 2025Q2 2026

NIM

4.52%Q2 ’244.35%Q2 ’254.40%Q2 ’26-5%+2%

Non-interest income vs. expense

2.64%Q2 ’242.61%Q2 ’252.91%Q2 ’26-1%+13%

Market Position · Champaign-Urbana, IL · 2026 SOD (annual) · 3.4% share · #6 of 33 inst. · $0.3B of $8.7B

42.8% Piatt
3.0% McLean
3.9% Douglas
0.3% Champaign

Executive Summary

  • Earnings: ROA of 1.29%, down 14 bps year over year; NIM at 3.68%.
  • Asset quality: problem loans at 0.44% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 9.25%, up 55 bps from a year ago.
  • Funding: loans stand at 43.22% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.29%-14 bps YoY

Net Interest Margin (YTD, annualized)

3.68%+8 bps YoY

Efficiency Ratio (YTD, annualized)

64.08%+464 bps YoY

Tier 1 Leverage Ratio

9.25%+55 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.44%1.44%1.41%1.29%1.29%-14 bps
Return on Equity18.68%18.27%17.58%14.99%15.08%-360 bps
Net Interest Margin3.60%3.63%3.69%3.62%3.68%+8 bps
Efficiency Ratio59.44%59.90%60.33%63.50%64.08%+464 bps
Non-Interest Burden1.81%1.84%1.89%1.98%2.03%+23 bps
Growth
Asset Growth (YoY)6.33%6.23%5.27%-0.24%-0.84%-718 bps
Loan Growth (YoY)-1.59%-1.28%4.20%8.23%7.94%+953 bps
Deposit Growth (YoY)5.59%5.67%4.18%-1.32%-1.39%-698 bps
Asset Quality
Nonperforming Loans / Loans0.44%0.40%0.50%0.39%0.44%0 bps
Net Charge-Offs / Loans0.09%0.05%0.02%0.00%0.01%-9 bps
Allowance / Loans1.16%1.16%1.16%1.18%1.17%+2 bps
Allowance Coverage of NPLs2.6x2.9x2.3x3.0x2.7x+0.1x
Capital
Tier 1 Leverage Ratio8.70%8.78%8.94%9.11%9.25%+55 bps
Total Risk-Based Capital23.64%23.99%22.92%22.98%23.51%-14 bps
Equity / Assets7.78%8.38%8.68%8.56%8.46%+68 bps
Liquidity & Funding
Loans / Deposits39.49%40.25%44.64%43.47%43.22%+374 bps
Liquid Assets / Assets26.22%23.20%18.48%20.10%20.18%-604 bps
CRE / Total Capitaln/a131.10%143.44%151.82%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 State Bank and Trust

Monticello, IL · Cert 16332 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · First St Bcorp Monticello Employee STK Ownership Plan

State charter, non-member · FDIC · 8 branches

Q2 2026

$509.6MAssets
$200.7MLoans
$464.3MDeposits
$43.1MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 88% of banks under $1B in assets operating in a single state (rank 90 of 746).
  • Widest gap: equity / assets trails 81% of banks under $1B in assets operating in a single state (rank 604 of 746).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.28%

Rank 251 of 746

Net Interest Margin

3.68%

Rank 374 of 746

Efficiency Ratio

64.08%

Rank 361 of 746

Equity / Assets

8.46%

Rank 604 of 746

Non-interest income vs. expense

$4.5M$14.9MINCOMEEXPENSE
Unfavorable gap of $10.4M · efficiency ratio beats 52% of banks under $1B in assets operating in a single state
Bank 64.08%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.28%0.72%1.06%1.45%Beats 66%251 / 746
Return on Equity15.18%6.74%10.51%13.63%Beats 84%119 / 746
Net Interest Margin3.68%3.17%3.68%4.16%Beats 50%374 / 746
Efficiency Ratio64.08%55.74%64.58%75.47%Beats 52%361 / 746
Asset Quality
Nonperforming Loans / Loans0.44%0.09%0.42%1.07%Beats 50%377 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 60%299 / 743
Capital
Tier 1 Capital Ratio22.37%11.55%13.75%17.60%Beats 88%90 / 746
Total Risk-Based Capital Ratio23.51%11.71%14.33%18.43%Beats 88%88 / 746
Equity / Assets8.46%8.90%10.51%13.06%Beats 19%604 / 746
Liquidity & Funding
Loans / Deposits43.22%61.31%78.27%90.78%7th pctl695 / 746
Loans / Assets39.38%53.60%66.97%76.08%9th pctl680 / 746
Brokered Deposits / Depositsn/aNot reported for this institution