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First National Bank in Taylorville

Taylorville, IL · Cert 17572 · First Bcorp of Taylorville Inc.

National charter · OCC · 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

56

Q2 2024Q2 2026peer median (50)

Asset Quality

88

Q2 2024Q2 2026peer median (50)

Profitability

38

Q2 2024Q2 2026peer median (50)

Liquidity

20

Q2 2024Q2 2026peer median

Efficiency

79

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

First National Bank in Taylorville

Taylorville, IL · Cert 17572 · First Bcorp of Taylorville Inc.

National charter · OCC · 1 affiliate bank · 2 branches (6 in holding)

Q2 2026

$200.1MAssets
$91.0MLoans
$173.9MDeposits
$23.6MEquity
Loan mix
80%RE $58.7M14%C&I $10.1M7%Consumer $4.9MQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $146.6M16%Noninterest $27.3MQ2 2025Q2 2026

NIM

3.31%Q2 ’243.65%Q2 ’253.94%Q2 ’26+10%+12%

Non-interest income vs. expense

1.54%Q2 ’241.62%Q2 ’251.61%Q2 ’26+6%-2%

Executive Summary

  • Earnings: ROA of 1.07%, up 16 bps year over year; NIM at 2.72%.
  • Asset quality: problem loans at 0.00% of loans (-11 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 14.41%, up 27 bps from a year ago.
  • Funding: loans stand at 52.31% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.07%+16 bps YoY

Net Interest Margin (YTD, annualized)

2.72%+29 bps YoY

Efficiency Ratio (YTD, annualized)

53.66%-674 bps YoY

Tier 1 Leverage Ratio

14.41%+27 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.90%0.93%0.92%1.14%1.07%+16 bps
Return on Equity9.37%9.20%8.84%9.87%9.16%-21 bps
Net Interest Margin2.43%2.46%2.49%2.66%2.72%+29 bps
Efficiency Ratio60.41%58.54%59.29%52.46%53.66%-674 bps
Non-Interest Burden1.36%1.33%1.37%1.26%1.33%-3 bps
Growth
Asset Growth (YoY)-1.15%-2.25%2.62%1.88%4.29%+544 bps
Loan Growth (YoY)18.02%20.12%24.23%23.90%19.87%+186 bps
Deposit Growth (YoY)2.83%1.63%2.26%2.17%2.57%-25 bps
Asset Quality
Nonperforming Loans / Loans0.11%0.04%0.13%0.00%0.00%-11 bps
Net Charge-Offs / Loans-0.01%0.02%0.00%0.01%0.00%+1 bps
Allowance / Loans1.18%1.18%1.16%1.17%1.14%-4 bps
Allowance Coverage of NPLs11.2x27.9x8.8xn/an/an/a
Capital
Tier 1 Leverage Ratio14.15%14.22%14.13%14.21%14.41%+27 bps
Total Risk-Based Capital14.15%14.22%14.13%14.21%14.41%+27 bps
Equity / Assets10.21%11.56%11.47%11.67%11.79%+158 bps
Liquidity & Funding
Loans / Deposits44.76%45.97%47.54%46.24%52.31%+755 bps
Liquid Assets / Assets2.53%2.36%1.83%1.80%1.81%-71 bps
CRE / Total Capitaln/a62.21%66.00%66.37%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

First National Bank in Taylorville

Taylorville, IL · Cert 17572 · Peer group: banks under $1B in assets in IL (n=149-151) · First Bcorp of Taylorville Inc.

National charter · OCC · 1 affiliate bank · 2 branches (6 in holding)

Q2 2026

$200.1MAssets
$91.0MLoans
$173.9MDeposits
$23.6MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in IL (rank 14 of 149).
  • Widest gap: net interest margin trails 89% of banks under $1B in assets in IL (rank 134 of 151).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.06%

Rank 69 of 151

Net Interest Margin

2.72%

Rank 134 of 151

Efficiency Ratio

53.66%

Rank 33 of 151

Equity / Assets

11.79%

Rank 48 of 151

Non-interest income vs. expense

$0.6M$3.3MINCOMEEXPENSE
Unfavorable gap of $2.8M · efficiency ratio beats 79% of banks under $1B in assets in IL
Bank 53.66%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.06%0.70%1.03%1.34%Beats 54%69 / 151
Return on Equity9.03%6.74%9.34%12.94%Beats 48%78 / 151
Net Interest Margin2.72%3.02%3.43%3.83%Beats 11%134 / 151
Efficiency Ratio53.66%54.64%64.89%72.50%Beats 79%33 / 151
Asset Quality
Nonperforming Loans / Loans0.00%0.20%0.66%1.77%Beats 100%14 / 149
Net Charge-Offs / Loans0.00%0.00%0.02%0.07%Beats 76%37 / 149
Capital
Tier 1 Capital Ratio14.41%11.83%14.17%18.66%Beats 53%71 / 151
Total Risk-Based Capital Ratio14.41%12.22%14.54%19.92%Beats 48%78 / 151
Equity / Assets11.79%9.10%10.65%12.40%Beats 68%48 / 151
Liquidity & Funding
Loans / Deposits52.31%54.39%71.02%80.75%20th pctl119 / 149
Loans / Assets45.46%45.91%61.31%68.01%22nd pctl118 / 151
Brokered Deposits / Depositsn/aNot reported for this institution