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Letter portraitLegal landscapeQuarterYTD

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 $4.9MQ3 2024Q2 2026
Deposit mix
84%Interest-bearing $146.6M16%Noninterest $27.3MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.99%, up 36 bps year over year; NIM at 2.78%.
  • Asset quality: problem loans at 0.00% of loans (-11 bps YoY), with net recoveries of 0.01%.
  • 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.

Return on Assets (quarter, annualized)

0.99%+36 bps YoY

Net Interest Margin (quarter, annualized)

2.78%+35 bps YoY

Efficiency Ratio (quarter, annualized)

54.83%-776 bps YoY

Tier 1 Leverage Ratio

14.41%+27 bps YoY

NIM

3.40%Q2 ’243.66%Q2 ’254.01%Q2 ’26+10%+14%

Non-interest income vs. expense

1.60%Q2 ’241.67%Q2 ’251.67%Q2 ’26+5%-2%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.74%0.62%1.17%0.63%1.00%0.88%1.14%0.99%+36 bps
Return on Equity7.94%6.52%12.52%6.30%9.15%7.60%9.87%8.43%+213 bps
Net Interest Margin2.17%2.26%2.36%2.43%2.57%2.60%2.66%2.78%+35 bps
Efficiency Ratio62.79%69.46%58.25%62.59%55.05%61.42%52.46%54.83%-776 bps
Non-Interest Burden1.27%1.50%1.26%1.43%1.30%1.50%1.26%1.41%-2 bps
Growth
Asset Growth (YoY)2.44%-0.45%1.04%-1.15%-2.25%2.62%1.88%4.29%+544 bps
Loan Growth (YoY)3.28%5.65%6.21%18.02%20.12%24.23%23.90%19.87%+186 bps
Deposit Growth (YoY)-2.90%1.61%2.03%2.83%1.63%2.26%2.17%2.57%-25 bps
Asset Quality
Nonperforming Loans / Loans0.24%0.20%0.12%0.11%0.04%0.13%0.00%0.00%-11 bps
Net Charge-Offs / Loans-0.01%0.03%-0.01%-0.01%0.08%-0.08%0.01%-0.01%-1 bps
Allowance / Loans1.46%1.43%1.20%1.18%1.18%1.16%1.17%1.14%-4 bps
Allowance Coverage of NPLs6.1x7.0x9.7x11.2x27.9x8.8xn/an/an/a
Capital
Tier 1 Leverage Ratio13.42%13.59%13.62%14.15%14.22%14.13%14.21%14.41%+27 bps
Total Risk-Based Capital13.42%13.59%13.62%14.15%14.22%14.13%14.21%14.41%+27 bps
Equity / Assets9.99%9.06%9.70%10.21%11.56%11.47%11.67%11.79%+158 bps
Liquidity & Funding
Loans / Deposits38.89%39.13%38.13%44.76%45.97%47.54%46.24%52.31%+755 bps
Liquid Assets / Assets2.73%2.89%2.58%2.53%2.36%1.83%1.80%1.81%-71 bps
CRE / Total Capitaln/an/an/an/a62.21%66.00%66.37%n/an/a