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First National Bank of Brookfield

Brookfield, IL · Cert 18564 · Brookfield Bancshares Inc.

National charter · OCC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area3

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 the Chicago-Naperville-Elgin, IL-IN area (n=56 to 57). 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

71

Q2 2024Q2 2026peer median (50)

Profitability

89

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

95

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 of Brookfield

Brookfield, IL · Cert 18564 · Brookfield Bancshares Inc.

National charter · OCC · 1 branch

Q2 2026

$419.6MAssets
$395.3MLoans
$334.7MDeposits
$55.9MEquity
Loan mix
97%RE $375.0M0%C&I $0.5M3%Consumer $11.2MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $275.2M18%Noninterest $59.5MQ2 2025Q2 2026

NIM

6.03%Q2 ’246.13%Q2 ’256.35%Q2 ’26+1%+2%

Non-interest income vs. expense

1.88%Q2 ’241.99%Q2 ’251.97%Q2 ’26+5%-6%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.1% share · #83 of 147 inst. · $0.3B of $630.7B

Executive Summary

  • Earnings: ROA of 1.85%, up 28 bps year over year; NIM at 4.19%.
  • Asset quality: problem loans at 0.00% of loans (-21 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 13.04%, up 1 bps from a year ago.
  • Funding: loans stand at 118.12% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.85%+28 bps YoY

Net Interest Margin (YTD, annualized)

4.19%+9 bps YoY

Efficiency Ratio (YTD, annualized)

43.83%-229 bps YoY

Tier 1 Leverage Ratio

13.04%+1 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.57%1.62%1.61%1.63%1.85%+28 bps
Return on Equity12.31%12.74%12.70%12.89%14.42%+211 bps
Net Interest Margin4.09%3.99%3.92%4.10%4.19%+9 bps
Efficiency Ratio46.12%45.62%46.24%45.94%43.83%-229 bps
Non-Interest Burden1.76%1.69%1.68%1.70%1.66%-10 bps
Growth
Asset Growth (YoY)8.40%11.89%14.53%17.81%8.63%+23 bps
Loan Growth (YoY)13.14%13.96%18.87%19.85%12.77%-37 bps
Deposit Growth (YoY)14.71%15.18%16.35%18.53%10.27%-444 bps
Asset Quality
Nonperforming Loans / Loans0.21%0.21%0.18%0.00%0.00%-21 bps
Net Charge-Offs / Loans-0.01%-0.01%-0.01%0.01%0.00%+1 bps
Allowance / Loans1.61%1.64%1.57%1.55%1.52%-9 bps
Allowance Coverage of NPLs7.5x7.8x8.8xn/an/an/a
Capital
Tier 1 Leverage Ratio13.04%12.76%12.60%12.63%13.04%+1 bps
Total Risk-Based Capital14.91%14.86%14.51%14.22%13.04%-187 bps
Equity / Assets12.61%12.54%12.68%12.55%13.32%+71 bps
Liquidity & Funding
Loans / Deposits115.50%111.89%115.36%113.78%118.12%+262 bps
Liquid Assets / Assets7.77%10.28%7.70%8.55%4.59%-318 bps
CRE / Total Capitaln/a540%564%568%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 of Brookfield

Brookfield, IL · Cert 18564 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57) · Brookfield Bancshares Inc.

National charter · OCC · 1 branch

Q2 2026

$419.6MAssets
$395.3MLoans
$334.7MDeposits
$55.9MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 9 of 56).
  • Widest gap: total risk-based capital ratio trails 74% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 42 of 57).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.85%

Rank 3 of 57

Net Interest Margin

4.19%

Rank 11 of 57

Efficiency Ratio

43.83%

Rank 4 of 57

Equity / Assets

13.32%

Rank 24 of 57

Non-interest income vs. expense

$1.3M$8.4MINCOMEEXPENSE
Unfavorable gap of $7.0M · efficiency ratio beats 95% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 43.83%Peer median 69.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.85%0.51%0.84%1.19%Beats 95%3 / 57
Return on Equity13.90%3.13%7.76%11.40%Beats 91%5 / 57
Net Interest Margin4.19%3.16%3.63%4.08%Beats 81%11 / 57
Efficiency Ratio43.83%59.57%69.70%81.06%Beats 95%4 / 57
Asset Quality
Nonperforming Loans / Loans0.00%0.06%0.34%1.78%Beats 100%9 / 56
Net Charge-Offs / Loans0.00%n/a0.00%0.01%Beats 41%34 / 56
Capital
Tier 1 Capital Ratio13.04%12.24%16.06%19.69%Beats 30%40 / 57
Total Risk-Based Capital Ratio13.04%12.54%16.50%20.95%Beats 26%42 / 57
Equity / Assets13.32%9.37%11.56%15.00%Beats 58%24 / 57
Liquidity & Funding
Loans / Deposits118.12%66.29%85.59%95.16%93rd pctl4 / 57
Loans / Assets94.21%57.07%71.07%78.13%98th pctl1 / 57
Brokered Deposits / Depositsn/aNot reported for this institution