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Banterra Bank

Marion, IL · Cert 17514 · Banterra Corp.

State charter, non-member · FDIC · 40 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B 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 $1B-$10B in assets operating regionally (n=174). 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

6

Q2 2024Q2 2026peer median (50)

Asset Quality

53

Q2 2024Q2 2026peer median (50)

Profitability

35

Q2 2024Q2 2026peer median (50)

Liquidity

89

Q2 2024Q2 2026peer median

Efficiency

29

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

Banterra Bank

Marion, IL · Cert 17514 · Banterra Corp.

State charter, non-member · FDIC · 40 branches

Q2 2026

$3.4BAssets
$2.7BLoans
$3.0BDeposits
$226.0MEquity
Loan mix
46%RE $1.1B22%C&I $0.5B32%Consumer $0.8BQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $2.5B17%Noninterest $0.5BQ2 2025Q2 2026

NIM

4.81%Q2 ’245.13%Q2 ’255.23%Q2 ’26+28%+11%

Non-interest income vs. expense

2.26%Q2 ’242.06%Q2 ’252.30%Q2 ’26-13%+17%

Market Position · Paducah, KY-IL · 2026 SOD (annual) · 10.3% share · #3 of 15 inst. · $0.3B of $3.3B

25.8% Williamson
32.9% Franklin
11.6% McCracken
7.1% Cape Girardeau

Executive Summary

  • Earnings: ROA of 0.91%, up 4 bps year over year; NIM at 3.15%.
  • Asset quality: problem loans at 0.37% of loans (0 bps YoY), with net charge-offs at 0.10%.
  • Capital: tier 1 leverage ratio of 9.41%, up 15 bps from a year ago.
  • Funding: loans stand at 88.22% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.91%+4 bps YoY

Net Interest Margin (YTD, annualized)

3.15%+32 bps YoY

Efficiency Ratio (YTD, annualized)

65.33%+210 bps YoY

Tier 1 Leverage Ratio

9.41%+15 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.87%0.82%0.81%0.84%0.91%+4 bps
Return on Equity14.53%13.56%13.12%12.79%13.79%-74 bps
Net Interest Margin2.84%2.87%2.89%3.09%3.15%+32 bps
Efficiency Ratio63.23%65.90%66.98%67.31%65.33%+210 bps
Non-Interest Burden1.64%1.76%1.80%1.96%1.93%+28 bps
Growth
Asset Growth (YoY)5.96%4.97%5.54%2.80%4.63%-133 bps
Loan Growth (YoY)6.60%5.34%6.18%3.53%6.40%-21 bps
Deposit Growth (YoY)8.70%5.02%5.01%3.92%3.00%-570 bps
Asset Quality
Nonperforming Loans / Loans0.37%0.36%0.35%0.35%0.37%0 bps
Net Charge-Offs / Loans0.14%0.12%0.12%0.11%0.10%-4 bps
Allowance / Loans0.94%0.95%0.93%0.97%0.95%+1 bps
Allowance Coverage of NPLs2.5x2.6x2.7x2.8x2.6x+0.1x
Capital
Tier 1 Leverage Ratio9.26%9.22%9.18%9.21%9.41%+15 bps
Total Risk-Based Capital11.09%11.02%10.97%11.20%10.73%-36 bps
Equity / Assets6.04%6.31%6.59%6.56%6.73%+69 bps
Liquidity & Funding
Loans / Deposits85.40%85.38%86.19%84.81%88.22%+282 bps
Liquid Assets / Assets8.15%8.19%7.60%7.74%7.23%-92 bps
CRE / Total Capitaln/a266%273%280%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

Banterra Bank

Marion, IL · Cert 17514 · Peer group: banks $1B-$10B in assets operating regionally (n=174) · Banterra Corp.

State charter, non-member · FDIC · 40 branches

Q2 2026

$3.4BAssets
$2.7BLoans
$3.0BDeposits
$226.0MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 67% of banks $1B-$10B in assets operating regionally (rank 59 of 174).
  • Widest gap: equity / assets trails 98% of banks $1B-$10B in assets operating regionally (rank 170 of 174).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.90%

Rank 136 of 174

Net Interest Margin

3.15%

Rank 139 of 174

Efficiency Ratio

65.33%

Rank 124 of 174

Equity / Assets

6.73%

Rank 170 of 174

Non-interest income vs. expense

$12.4M$76.7MINCOMEEXPENSE
Unfavorable gap of $64.3M · efficiency ratio beats 29% of banks $1B-$10B in assets operating regionally
Bank 65.33%Peer median 59.2%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.90%0.93%1.27%1.52%Beats 22%136 / 174
Return on Equity13.36%9.26%11.89%14.41%Beats 64%63 / 174
Net Interest Margin3.15%3.22%3.56%3.91%Beats 20%139 / 174
Efficiency Ratio65.33%51.59%59.21%67.02%Beats 29%124 / 174
Asset Quality
Nonperforming Loans / Loans0.37%0.29%0.60%1.18%Beats 67%59 / 174
Net Charge-Offs / Loans0.06%0.01%0.03%0.10%Beats 39%108 / 174
Capital
Tier 1 Capital Ratio9.85%11.19%12.82%14.11%Beats 5%166 / 174
Total Risk-Based Capital Ratio10.73%11.81%13.70%15.33%Beats 12%153 / 174
Equity / Assets6.73%9.15%10.31%11.72%Beats 2%170 / 174
Liquidity & Funding
Loans / Deposits88.22%80.93%90.31%97.12%44th pctl97 / 174
Loans / Assets79.16%69.01%75.52%80.85%67th pctl57 / 174
Brokered Deposits / Depositsn/aNot reported for this institution