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Albany Bank & Trust Co., National Association

Chicago, IL · Cert 17230 · Albank Corp.

National charter · OCC · 4 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

64

Q2 2024Q2 2026peer median (50)

Asset Quality

19

Q2 2024Q2 2026peer median (50)

Profitability

34

Q2 2024Q2 2026peer median (50)

Liquidity

71

Q2 2024Q2 2026peer median

Efficiency

74

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 2026-10-10

Albany Bank & Trust Co., National Association

Chicago, IL · Cert 17230 · Albank Corp.

National charter · OCC · 4 branches

Q2 2026

$721.8MAssets
$548.3MLoans
$591.1MDeposits
$124.4MEquity
Loan mix
89%RE $483.8M11%C&I $59.3M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
77%Interest-bearing $455.7M23%Noninterest $135.4MQ2 2025Q2 2026

NIM

4.72%Q2 ’244.62%Q2 ’254.80%Q2 ’26-1%+13%

Non-interest income vs. expense

1.87%Q2 ’241.95%Q2 ’251.95%Q2 ’26+4%+1%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.1% share · #63 of 147 inst. · $0.6B of $630.7B

Executive Summary

  • Earnings: ROA of 0.79%, up 18 bps year over year; NIM at 3.16%.
  • Asset quality: problem loans at 1.13% of loans (-72 bps YoY), with net charge-offs at 0.49%.
  • Capital: tier 1 leverage ratio of 16.98%, up 26 bps from a year ago.
  • Funding: loans stand at 92.76% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.79%+18 bps YoY

Net Interest Margin (YTD, annualized)

3.16%+36 bps YoY

Efficiency Ratio (YTD, annualized)

59.94%-714 bps YoY

Tier 1 Leverage Ratio

16.98%+26 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.61%0.67%0.86%0.76%0.79%+18 bps
Return on Equity3.63%4.00%5.11%4.52%4.63%+100 bps
Net Interest Margin2.80%2.82%2.87%3.01%3.16%+36 bps
Efficiency Ratio67.07%64.29%58.64%63.16%59.94%-714 bps
Non-Interest Burden1.84%1.77%1.64%1.86%1.85%+1 bps
Growth
Asset Growth (YoY)0.15%3.25%2.50%3.36%1.42%+128 bps
Loan Growth (YoY)-0.38%-2.01%-6.00%-5.84%-4.07%-369 bps
Deposit Growth (YoY)-0.62%3.29%2.39%3.43%1.06%+168 bps
Asset Quality
Nonperforming Loans / Loans1.85%1.82%1.88%1.14%1.13%-72 bps
Net Charge-Offs / Loans0.00%0.00%0.00%1.00%0.49%+49 bps
Allowance / Loans0.96%1.00%1.05%0.83%0.91%-5 bps
Allowance Coverage of NPLs0.5x0.6x0.6x0.7x0.8x+0.3x
Capital
Tier 1 Leverage Ratio16.72%16.54%16.50%16.69%16.98%+26 bps
Total Risk-Based Capital16.72%16.54%16.50%16.69%16.98%+26 bps
Equity / Assets16.90%16.68%16.80%16.92%17.23%+33 bps
Liquidity & Funding
Loans / Deposits97.72%93.69%90.69%90.39%92.76%-496 bps
Liquid Assets / Assets12.40%15.60%17.48%17.66%15.57%+317 bps
CRE / Total Capitaln/a404%375%368%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 2026-10-10

Albany Bank & Trust Co., National Association

Chicago, IL · Cert 17230 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57) · Albank Corp.

National charter · OCC · 4 branches

Q2 2026

$721.8MAssets
$548.3MLoans
$591.1MDeposits
$124.4MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 86% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 8 of 57).
  • Widest gap: net charge-offs / loans trails 95% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 54 of 56).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.79%

Rank 32 of 57

Net Interest Margin

3.16%

Rank 43 of 57

Efficiency Ratio

59.94%

Rank 16 of 57

Equity / Assets

17.23%

Rank 8 of 57

Non-interest income vs. expense

$0.8M$14.2MINCOMEEXPENSE
Unfavorable gap of $13.4M · efficiency ratio beats 74% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 59.94%Peer median 69.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.79%0.51%0.84%1.19%Beats 44%32 / 57
Return on Equity4.59%3.13%7.76%11.40%Beats 33%38 / 57
Net Interest Margin3.16%3.16%3.63%4.08%Beats 25%43 / 57
Efficiency Ratio59.94%59.57%69.70%81.06%Beats 74%16 / 57
Asset Quality
Nonperforming Loans / Loans1.13%0.06%0.34%1.78%Beats 32%39 / 56
Net Charge-Offs / Loans0.25%n/a0.00%0.01%Beats 5%54 / 56
Capital
Tier 1 Capital Ratio16.98%12.24%16.06%19.69%Beats 54%26 / 57
Total Risk-Based Capital Ratio16.98%12.54%16.50%20.95%Beats 53%27 / 57
Equity / Assets17.23%9.37%11.56%15.00%Beats 86%8 / 57
Liquidity & Funding
Loans / Deposits92.76%66.29%85.59%95.16%72nd pctl16 / 57
Loans / Assets75.96%57.07%71.07%78.13%67th pctl19 / 57
Brokered Deposits / Depositsn/aNot reported for this institution