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First State Bank Shannon-Polo

Shannon, IL · Cert 1781 · Shannon Bcorp Inc.

State charter, non-member · FDIC · 3 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

38

Q2 2024Q2 2026peer median (50)

Asset Quality

12

Q2 2024Q2 2026peer median (50)

Profitability

36

Q2 2024Q2 2026peer median (50)

Liquidity

76

Q2 2024Q2 2026peer median

Efficiency

33

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 State Bank Shannon-Polo

Shannon, IL · Cert 1781 · Shannon Bcorp Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$190.5MAssets
$109.2MLoans
$167.1MDeposits
$16.1MEquity
Loan mix
80%RE $79.6M16%C&I $16.2M3%Consumer $3.4MQ3 2024Q2 2026
Deposit mix
86%Interest-bearing $143.1M14%Noninterest $24.0MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.80%, down 1 bps year over year; NIM at 2.98%.
  • Asset quality: problem loans at 2.64% of loans (+55 bps YoY), with net charge-offs at 0.53%.
  • Capital: tier 1 leverage ratio of 10.31%, up 73 bps from a year ago.
  • Funding: loans stand at 65.36% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.80%-1 bps YoY

Net Interest Margin (YTD, annualized)

2.98%+34 bps YoY

Efficiency Ratio (YTD, annualized)

69.29%-308 bps YoY

Tier 1 Leverage Ratio

10.31%+73 bps YoY

NIM

4.03%Q2 ’244.03%Q2 ’254.20%Q2 ’26+3%+13%

Non-interest income vs. expense

2.57%Q2 ’242.59%Q2 ’252.81%Q2 ’26+6%+5%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.72%0.67%0.70%0.81%0.86%0.88%1.10%0.80%-1 bps
Return on Equity12.25%11.20%10.88%12.24%12.31%12.26%13.34%9.64%-260 bps
Net Interest Margin2.50%2.45%2.52%2.64%2.71%2.72%3.10%2.98%+34 bps
Efficiency Ratio73.54%73.61%74.91%72.37%71.56%70.87%66.67%69.29%-308 bps
Non-Interest Burden1.56%1.53%1.65%1.62%1.63%1.61%1.69%1.70%+8 bps
Growth
Asset Growth (YoY)-5.71%-12.07%-0.77%-2.71%-2.24%1.98%-0.32%1.10%+381 bps
Loan Growth (YoY)1.09%-1.39%-6.65%-6.63%-1.25%2.60%11.62%9.07%+1,570 bps
Deposit Growth (YoY)-9.59%-13.57%-1.93%-2.63%-2.52%0.10%-1.68%-0.83%+180 bps
Asset Quality
Nonperforming Loans / Loans1.55%1.24%1.32%2.09%1.23%1.18%3.51%2.64%+55 bps
Net Charge-Offs / Loans0.02%0.36%0.00%0.03%0.02%0.02%-0.01%0.53%+51 bps
Allowance / Loans1.49%1.28%1.37%1.35%1.29%1.23%1.21%1.17%-19 bps
Allowance Coverage of NPLs1.0x1.0x1.0x0.6x1.0x1.0x0.3x0.4x-0.2x
Capital
Tier 1 Leverage Ratio9.30%9.26%9.25%9.58%9.84%9.71%10.03%10.31%+73 bps
Total Risk-Based Capital14.45%14.59%14.86%14.75%14.80%14.42%14.50%14.69%-6 bps
Equity / Assets7.07%6.11%6.76%6.96%7.97%8.08%8.42%8.44%+148 bps
Liquidity & Funding
Loans / Deposits61.25%61.72%58.08%59.43%62.05%63.27%65.94%65.36%+593 bps
Liquid Assets / Assets10.75%10.47%13.11%10.83%8.76%8.33%6.58%7.37%-345 bps
CRE / Total Capitaln/an/an/an/a98.44%96.29%100.73%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 State Bank Shannon-Polo

Shannon, IL · Cert 1781 · Peer group: banks under $1B in assets in IL (n=149-151) · Shannon Bcorp Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$190.5MAssets
$109.2MLoans
$167.1MDeposits
$16.1MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 53% of banks under $1B in assets in IL (rank 71 of 151).
  • Widest gap: net charge-offs / loans trails 91% of banks under $1B in assets in IL (rank 137 of 149).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.81%

Rank 103 of 151

Net Interest Margin

2.98%

Rank 118 of 151

Efficiency Ratio

69.29%

Rank 102 of 151

Equity / Assets

8.44%

Rank 122 of 151

Non-interest income vs. expense

$2.1M$5.4MINCOMEEXPENSE
Unfavorable gap of $3.3M · efficiency ratio beats 33% of banks under $1B in assets in IL
Bank 69.29%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.81%0.70%1.03%1.34%Beats 32%103 / 151
Return on Equity9.60%6.74%9.34%12.94%Beats 53%71 / 151
Net Interest Margin2.98%3.02%3.43%3.83%Beats 22%118 / 151
Efficiency Ratio69.29%54.64%64.89%72.50%Beats 33%102 / 151
Asset Quality
Nonperforming Loans / Loans2.64%0.20%0.66%1.77%Beats 14%129 / 149
Net Charge-Offs / Loans0.27%0.00%0.02%0.07%Beats 9%137 / 149
Capital
Tier 1 Capital Ratio13.80%11.83%14.17%18.66%Beats 46%81 / 151
Total Risk-Based Capital Ratio14.69%12.22%14.54%19.92%Beats 50%75 / 151
Equity / Assets8.44%9.10%10.65%12.40%Beats 19%122 / 151
Liquidity & Funding
Loans / Deposits65.36%54.39%71.02%80.75%40th pctl90 / 149
Loans / Assets57.33%45.91%61.31%68.01%43rd pctl86 / 151
Brokered Deposits / Depositsn/aNot reported for this institution