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Princeville State Bank

Princeville, IL · Cert 16900 · 1870 Holdings 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 assets3

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 (n=581 to 629). 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

26

Q2 2024Q2 2026peer median (50)

Asset Quality

33

Q2 2024Q2 2026peer median (50)

Profitability

71

Q2 2024Q2 2026peer median (50)

Liquidity

62

Q2 2024Q2 2026peer median

Efficiency

75

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

Princeville State Bank

Princeville, IL · Cert 16900 · 1870 Holdings Inc.

State charter, Fed member · FED · 1 affiliate bank · 2 branches (10 in holding)

Q2 2026

$124.4MAssets
$70.4MLoans
$102.6MDeposits
$16.3MEquity
Loan mix
61%RE $37.1M29%C&I $17.3M10%Consumer $6.3MQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $84.7M17%Noninterest $17.9MQ2 2025Q2 2026

NIM

4.36%Q2 ’245.79%Q2 ’255.36%Q2 ’26+74%-6%

Non-interest income vs. expense

2.88%Q2 ’242.80%Q2 ’252.77%Q2 ’26-11%+3%

Market Position · Peoria, IL · 2026 SOD (annual) · 1.0% share · #15 of 35 inst. · $0.1B of $10.0B

Executive Summary

  • Earnings: ROA of 1.46%, up 119 bps year over year; NIM at 4.12%.
  • Asset quality: problem loans at 6.42% of loans (+250 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 9.23%, up 17 bps from a year ago.
  • Funding: loans stand at 68.58% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.46%+119 bps YoY

Net Interest Margin (YTD, annualized)

4.12%-26 bps YoY

Efficiency Ratio (YTD, annualized)

53.42%+327 bps YoY

Tier 1 Leverage Ratio

9.23%+17 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.27%10.75%1.53%1.43%1.46%+119 bps
Return on Equity2.52%6.48%12.79%10.57%10.90%+838 bps
Net Interest Margin4.38%4.41%4.05%4.13%4.12%-26 bps
Efficiency Ratio50.15%51.17%54.63%53.74%53.42%+327 bps
Non-Interest Burden1.91%1.97%1.97%1.99%1.97%+6 bps
Growth
Asset Growth (YoY)-4.41%1.19%10.12%7.26%15.05%+1,946 bps
Loan Growth (YoY)-2.42%2.90%6.46%18.24%19.05%+2,147 bps
Deposit Growth (YoY)-5.10%-11.49%-3.92%1.60%11.11%+1,621 bps
Asset Quality
Nonperforming Loans / Loans3.92%3.78%3.68%3.51%6.42%+250 bps
Net Charge-Offs / Loans0.02%0.00%0.00%-0.02%-0.01%-3 bps
Allowance / Loans2.01%1.96%1.88%1.79%1.70%-31 bps
Allowance Coverage of NPLs0.5x0.5x0.5x0.5x0.3x-0.2x
Capital
Tier 1 Leverage Ratio9.06%9.28%9.05%9.28%9.23%+17 bps
Total Risk-Based Capital9.06%9.28%9.05%9.28%9.23%+17 bps
Equity / Assets13.97%13.97%13.40%13.70%13.12%-86 bps
Liquidity & Funding
Loans / Deposits64.00%65.25%63.98%68.07%68.58%+458 bps
Liquid Assets / Assets5.75%5.47%8.52%3.93%5.75%0 bps
CRE / Total Capitaln/a218%234%249%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. 1 One-time gains made up most of net income in the marked periods.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Princeville State Bank

Princeville, IL · Cert 16900 · Peer group: banks under $1B in assets (n=581-629) · 1870 Holdings Inc.

State charter, Fed member · FED · 1 affiliate bank · 2 branches (10 in holding)

Q2 2026

$124.4MAssets
$70.4MLoans
$102.6MDeposits
$16.3MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 78% of banks under $1B in assets (rank 137 of 629).
  • Widest gap: nonperforming loans / loans trails 98% of banks under $1B in assets (rank 571 of 581).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.43%

Rank 164 of 629

Net Interest Margin

4.12%

Rank 137 of 629

Efficiency Ratio

58.39%

Rank 159 of 629

Equity / Assets

13.12%

Rank 183 of 629

Non-interest income vs. expense

$1.0M$3.4MINCOMEEXPENSE
Unfavorable gap of $2.4M · efficiency ratio beats 75% of banks under $1B in assets
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.43%0.60%1.01%1.45%Beats 74%164 / 629
Return on Equity10.92%5.38%9.30%13.28%Beats 60%250 / 629
Net Interest Margin4.12%3.03%3.54%4.05%Beats 78%137 / 629
Efficiency Ratio58.39%58.35%67.79%79.08%Beats 75%159 / 629
Asset Quality
Nonperforming Loans / Loans6.42%0.09%0.46%1.20%Beats 2%571 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 63%219 / 581
Capital
Tier 1 Capital Ratio9.23%11.24%13.84%18.77%Beats 4%606 / 629
Total Risk-Based Capital Ratio9.23%11.58%14.43%19.66%Beats 3%607 / 629
Equity / Assets13.12%9.09%10.65%13.80%Beats 71%183 / 629
Liquidity & Funding
Loans / Deposits68.58%67.24%80.90%93.48%27th pctl432 / 594
Loans / Assets56.56%53.31%67.71%78.15%29th pctl445 / 629
Brokered Deposits / Depositsn/aNot reported for this institution