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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=176). 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

7

Q2 2024Q2 2026peer median (50)

Asset Quality

54

Q2 2024Q2 2026peer median (50)

Profitability

34

Q2 2024Q2 2026peer median (50)

Liquidity

92

Q2 2024Q2 2026peer median

Efficiency

31

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=176) · 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 69% of banks $1B-$10B in assets operating regionally (rank 56 of 176).
  • Widest gap: equity / assets trails 98% of banks $1B-$10B in assets operating regionally (rank 172 of 176).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.90%

Rank 138 of 176

Net Interest Margin

3.15%

Rank 145 of 176

Efficiency Ratio

65.33%

Rank 123 of 176

Equity / Assets

6.73%

Rank 172 of 176

Non-interest income vs. expense

$12.4M$76.7MINCOMEEXPENSE
Unfavorable gap of $64.3M · efficiency ratio beats 31% of banks $1B-$10B in assets operating regionally
Bank 65.33%Peer median 59.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.90%0.93%1.26%1.54%Beats 22%138 / 176
Return on Equity13.36%9.26%11.89%14.46%Beats 63%65 / 176
Net Interest Margin3.15%3.25%3.59%3.93%Beats 18%145 / 176
Efficiency Ratio65.33%52.79%59.55%67.66%Beats 31%123 / 176
Asset Quality
Nonperforming Loans / Loans0.37%0.30%0.64%1.32%Beats 69%56 / 176
Net Charge-Offs / Loans0.06%0.01%0.04%0.10%Beats 39%108 / 176
Capital
Tier 1 Capital Ratio9.85%11.15%12.72%14.15%Beats 5%167 / 176
Total Risk-Based Capital Ratio10.73%11.81%13.63%15.33%Beats 13%154 / 176
Equity / Assets6.73%9.16%10.35%11.80%Beats 2%172 / 176
Liquidity & Funding
Loans / Deposits88.22%80.94%89.73%97.21%44th pctl99 / 176
Loans / Assets79.16%69.25%75.12%80.82%68th pctl57 / 176
Brokered Deposits / Depositsn/aNot reported for this institution