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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