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Letter portraitLegal landscapeQuarterYTD

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