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North Central Bank

Hennepin, IL · Cert 17241 · Putnam County Bcorp Inc.

State charter, non-member · FDIC · 2 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 IL3

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 IL (n=149 to 151). 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

42

Q2 2024Q2 2026peer median (50)

Asset Quality

73

Q2 2024Q2 2026peer median (50)

Profitability

46

Q2 2024Q2 2026peer median (50)

Liquidity

50

Q2 2024Q2 2026peer median

Efficiency

44

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

North Central Bank

Hennepin, IL · Cert 17241 · Putnam County Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$165.9MAssets
$85.9MLoans
$144.7MDeposits
$19.7MEquity
Loan mix
86%RE $63.2M9%C&I $6.6M5%Consumer $3.8MQ3 2024Q2 2026
Deposit mix
86%Interest-bearing $124.2M14%Noninterest $20.5MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.06%, up 1 bps year over year; NIM at 3.34%.
  • Asset quality: problem loans at 0.26% of loans (+10 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.26%, down 12 bps from a year ago.
  • Funding: loans stand at 59.40% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.06%+1 bps YoY

Net Interest Margin (YTD, annualized)

3.34%+14 bps YoY

Efficiency Ratio (YTD, annualized)

66.20%+35 bps YoY

Tier 1 Leverage Ratio

12.26%-12 bps YoY

NIM

4.29%Q2 ’244.48%Q2 ’254.50%Q2 ’26+8%+5%

Non-interest income vs. expense

2.43%Q2 ’242.58%Q2 ’252.59%Q2 ’26+2%+9%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.91%0.94%0.95%1.05%1.11%1.14%0.80%1.06%+1 bps
Return on Equity8.47%8.63%8.39%9.56%10.02%9.99%6.61%8.77%-79 bps
Net Interest Margin2.92%3.01%3.06%3.19%3.13%3.21%3.33%3.34%+14 bps
Efficiency Ratio67.66%67.30%68.96%65.86%63.97%64.12%74.07%66.20%+35 bps
Non-Interest Burden1.74%1.77%1.81%1.81%1.72%1.76%2.27%1.97%+16 bps
Growth
Asset Growth (YoY)5.55%-2.79%1.25%4.25%3.60%6.93%6.33%0.59%-366 bps
Loan Growth (YoY)-4.06%-1.90%2.24%0.01%0.81%2.42%3.71%1.20%+119 bps
Deposit Growth (YoY)3.70%-3.11%0.91%4.48%3.73%6.09%5.80%-0.70%-518 bps
Asset Quality
Nonperforming Loans / Loans0.14%0.06%0.07%0.15%0.04%0.07%0.34%0.26%+10 bps
Net Charge-Offs / Loans0.00%0.06%0.00%0.00%0.00%0.01%0.00%0.00%0 bps
Allowance / Loans1.58%1.52%1.52%1.53%1.51%1.47%1.45%1.46%-6 bps
Allowance Coverage of NPLs10.9x24.4x23.1x10.0x34.1x21.8x4.3x5.7x-4.3x
Capital
Tier 1 Leverage Ratio11.84%12.45%12.57%12.38%11.99%12.35%12.18%12.26%-12 bps
Total Risk-Based Capital11.84%12.45%12.57%12.38%11.99%12.35%12.18%12.26%-12 bps
Equity / Assets11.32%11.43%11.18%10.45%11.49%12.44%11.88%11.86%+140 bps
Liquidity & Funding
Loans / Deposits61.65%65.83%63.25%58.29%59.91%63.55%62.00%59.40%+111 bps
Liquid Assets / Assets9.08%3.23%6.21%13.40%10.17%5.42%6.97%10.19%-321 bps
CRE / Total Capitaln/an/an/an/a127.20%123.97%123.02%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

North Central Bank

Hennepin, IL · Cert 17241 · Peer group: banks under $1B in assets in IL (n=149-151) · Putnam County Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$165.9MAssets
$85.9MLoans
$144.7MDeposits
$19.7MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 75% of banks under $1B in assets in IL (rank 38 of 149).
  • Widest gap: total risk-based capital ratio trails 75% of banks under $1B in assets in IL (rank 113 of 151).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.04%

Rank 75 of 151

Net Interest Margin

3.34%

Rank 89 of 151

Efficiency Ratio

66.20%

Rank 85 of 151

Equity / Assets

11.86%

Rank 46 of 151

Non-interest income vs. expense

$1.0M$4.3MINCOMEEXPENSE
Unfavorable gap of $3.3M · efficiency ratio beats 44% of banks under $1B in assets in IL
Bank 66.20%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.04%0.70%1.03%1.34%Beats 50%75 / 151
Return on Equity8.76%6.74%9.34%12.94%Beats 47%80 / 151
Net Interest Margin3.34%3.02%3.43%3.83%Beats 41%89 / 151
Efficiency Ratio66.20%54.64%64.89%72.50%Beats 44%85 / 151
Asset Quality
Nonperforming Loans / Loans0.26%0.20%0.66%1.77%Beats 70%46 / 149
Net Charge-Offs / Loans0.00%0.00%0.02%0.07%Beats 75%38 / 149
Capital
Tier 1 Capital Ratio12.26%11.83%14.17%18.66%Beats 32%102 / 151
Total Risk-Based Capital Ratio12.26%12.22%14.54%19.92%Beats 25%113 / 151
Equity / Assets11.86%9.10%10.65%12.40%Beats 70%46 / 151
Liquidity & Funding
Loans / Deposits59.40%54.39%71.02%80.75%32nd pctl101 / 149
Loans / Assets51.80%45.91%61.31%68.01%35th pctl98 / 151
Brokered Deposits / Depositsn/aNot reported for this institution