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Apple River State Bank

Apple River, IL · Cert 17453 · First Apple River Corp.

State charter, non-member · FDIC · 8 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating regionally3

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 operating regionally (n=100). 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

54

Q2 2024Q2 2026peer median (50)

Asset Quality

69

Q2 2024Q2 2026peer median (50)

Profitability

49

Q2 2024Q2 2026peer median (50)

Liquidity

50

Q2 2024Q2 2026peer median

Efficiency

83

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

Apple River State Bank

Apple River, IL · Cert 17453 · First Apple River Corp.

State charter, non-member · FDIC · 8 branches

Q2 2026

$675.2MAssets
$398.2MLoans
$548.3MDeposits
$52.6MEquity
Loan mix
86%RE $298.1M11%C&I $38.8M3%Consumer $10.8MQ2 2025Q2 2026
Deposit mix
88%Interest-bearing $480.8M12%Noninterest $67.5MQ2 2025Q2 2026

NIM

4.23%Q2 ’244.57%Q2 ’254.79%Q2 ’26+19%+13%

Non-interest income vs. expense

1.92%Q2 ’241.84%Q2 ’251.91%Q2 ’26-8%+6%

Executive Summary

  • Earnings: ROA of 1.28%, up 23 bps year over year; NIM at 3.03%.
  • Asset quality: problem loans at 0.24% of loans (+17 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.74%, up 48 bps from a year ago.
  • Funding: loans stand at 72.62% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.28%+23 bps YoY

Net Interest Margin (YTD, annualized)

3.03%+35 bps YoY

Efficiency Ratio (YTD, annualized)

53.91%-342 bps YoY

Tier 1 Leverage Ratio

9.74%+48 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.05%1.08%1.10%1.25%1.28%+23 bps
Return on Equity15.78%15.63%15.52%15.62%16.19%+40 bps
Net Interest Margin2.68%2.71%2.75%2.99%3.03%+35 bps
Efficiency Ratio57.33%56.76%56.98%54.02%53.91%-342 bps
Non-Interest Burden1.32%1.32%1.35%1.37%1.40%+8 bps
Growth
Asset Growth (YoY)8.22%7.43%3.52%3.09%7.12%-110 bps
Loan Growth (YoY)8.55%10.86%7.42%6.63%6.64%-191 bps
Deposit Growth (YoY)9.77%8.59%3.57%3.23%6.55%-322 bps
Asset Quality
Nonperforming Loans / Loans0.06%0.05%0.23%0.23%0.24%+17 bps
Net Charge-Offs / Loans0.00%0.00%0.01%0.02%0.00%0 bps
Allowance / Loans0.96%0.97%0.97%0.99%0.98%+1 bps
Allowance Coverage of NPLs15.4x18.3x4.2x4.4x4.1x-11.3x
Capital
Tier 1 Leverage Ratio9.26%9.33%9.30%9.62%9.74%+48 bps
Total Risk-Based Capital15.02%15.11%15.09%15.49%15.64%+62 bps
Equity / Assets6.91%7.66%7.83%8.16%7.78%+88 bps
Liquidity & Funding
Loans / Deposits72.56%74.32%75.06%77.80%72.62%+6 bps
Liquid Assets / Assets7.76%9.77%8.52%6.49%8.18%+42 bps
CRE / Total Capitaln/a133.80%133.35%133.88%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

Apple River State Bank

Apple River, IL · Cert 17453 · Peer group: banks under $1B in assets operating regionally (n=100) · First Apple River Corp.

State charter, non-member · FDIC · 8 branches

Q2 2026

$675.2MAssets
$398.2MLoans
$548.3MDeposits
$52.6MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 84% of banks under $1B in assets operating regionally (rank 16 of 100).
  • Widest gap: net interest margin trails 89% of banks under $1B in assets operating regionally (rank 89 of 100).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.23%

Rank 47 of 100

Net Interest Margin

3.03%

Rank 89 of 100

Efficiency Ratio

53.91%

Rank 18 of 100

Equity / Assets

7.78%

Rank 88 of 100

Non-interest income vs. expense

$3.4M$12.6MINCOMEEXPENSE
Unfavorable gap of $9.2M · efficiency ratio beats 83% of banks under $1B in assets operating regionally
Bank 53.91%Peer median 62.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.23%0.82%1.19%1.50%Beats 53%47 / 100
Return on Equity15.81%7.96%11.91%14.16%Beats 84%16 / 100
Net Interest Margin3.03%3.43%3.80%4.17%Beats 11%89 / 100
Efficiency Ratio53.91%55.88%62.41%72.90%Beats 83%18 / 100
Asset Quality
Nonperforming Loans / Loans0.24%0.19%0.47%1.06%Beats 68%33 / 100
Net Charge-Offs / Loans0.00%0.00%0.02%0.06%Beats 69%32 / 100
Capital
Tier 1 Capital Ratio14.75%10.31%12.02%14.75%Beats 75%25 / 100
Total Risk-Based Capital Ratio15.64%10.50%12.71%15.64%Beats 75%25 / 100
Equity / Assets7.78%8.89%10.14%11.36%Beats 12%88 / 100
Liquidity & Funding
Loans / Deposits72.62%73.97%83.99%92.79%24th pctl76 / 100
Loans / Assets58.97%62.33%70.97%78.76%15th pctl85 / 100
Brokered Deposits / Depositsn/aNot reported for this institution