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Peoples Bank of Kankakee County

Bourbonnais, IL · Cert 18566 · Romy Hammes 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 operating in a single state3

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 operating in a single state (n=743 to 746). 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

23

Q2 2024Q2 2026peer median (50)

Asset Quality

80

Q2 2024Q2 2026peer median (50)

Profitability

34

Q2 2024Q2 2026peer median (50)

Liquidity

17

Q2 2024Q2 2026peer median

Efficiency

30

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

Peoples Bank of Kankakee County

Bourbonnais, IL · Cert 18566 · Romy Hammes Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$375.6MAssets
$170.6MLoans
$328.3MDeposits
$21.7MEquity
Loan mix
82%RE $124.7M11%C&I $16.8M7%Consumer $11.3MQ2 2025Q2 2026
Deposit mix
92%Interest-bearing $301.6M8%Noninterest $26.8MQ2 2025Q2 2026

NIM

3.40%Q2 ’243.67%Q2 ’253.87%Q2 ’26+13%+27%

Non-interest income vs. expense

2.45%Q2 ’242.67%Q2 ’252.62%Q2 ’26-185%+237%

Market Position · Kankakee, IL · 2026 SOD (annual) · 11.6% share · #2 of 13 inst. · $0.3B of $2.8B

Executive Summary

  • Earnings: ROA of 0.74%, down 54 bps year over year; NIM at 2.67%.
  • Asset quality: problem loans at 0.32% of loans (+19 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 7.67%, down 64 bps from a year ago.
  • Funding: loans stand at 51.95% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.74%-54 bps YoY

Net Interest Margin (YTD, annualized)

2.67%+57 bps YoY

Efficiency Ratio (YTD, annualized)

72.97%+2,845 bps YoY

Tier 1 Leverage Ratio

7.67%-64 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.28%0.48%0.49%0.72%0.74%-54 bps
Return on Equity26.71%9.36%9.20%11.96%12.44%-1,428 bps
Net Interest Margin2.09%2.22%2.28%2.56%2.67%+57 bps
Efficiency Ratio44.52%51.84%56.01%76.08%72.97%+2,845 bps
Non-Interest Burden-1.23%-0.27%0.23%1.71%1.70%+293 bps
Growth
Asset Growth (YoY)6.62%5.38%7.01%6.49%7.87%+125 bps
Loan Growth (YoY)6.53%5.76%1.00%3.12%4.86%-167 bps
Deposit Growth (YoY)4.47%4.28%5.26%3.86%8.43%+396 bps
Asset Quality
Nonperforming Loans / Loans0.12%0.00%0.02%0.02%0.32%+19 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.27%1.29%1.32%1.30%1.33%+6 bps
Allowance Coverage of NPLs10.3xn/a60.5x59.3x4.2x-6.1x
Capital
Tier 1 Leverage Ratio8.31%7.88%7.82%7.79%7.67%-64 bps
Total Risk-Based Capital15.14%14.90%15.04%14.53%12.93%-221 bps
Equity / Assets5.38%5.93%6.09%5.96%5.77%+39 bps
Liquidity & Funding
Loans / Deposits53.72%54.09%52.03%50.83%51.95%-177 bps
Liquid Assets / Assets7.75%9.33%5.72%6.92%2.10%-565 bps
CRE / Total Capitaln/a297%289%281%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

Peoples Bank of Kankakee County

Bourbonnais, IL · Cert 18566 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Romy Hammes Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$375.6MAssets
$170.6MLoans
$328.3MDeposits
$21.7MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
  • Widest gap: equity / assets trails 98% of banks under $1B in assets operating in a single state (rank 732 of 746).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.73%

Rank 555 of 746

Net Interest Margin

2.67%

Rank 684 of 746

Efficiency Ratio

72.97%

Rank 526 of 746

Equity / Assets

5.77%

Rank 732 of 746

Non-interest income vs. expense

$3.6M$10.2MINCOMEEXPENSE
Unfavorable gap of $6.6M · efficiency ratio beats 30% of banks under $1B in assets operating in a single state
Bank 72.97%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.73%0.72%1.06%1.45%Beats 26%555 / 746
Return on Equity12.60%6.74%10.51%13.63%Beats 67%244 / 746
Net Interest Margin2.67%3.17%3.68%4.16%Beats 8%684 / 746
Efficiency Ratio72.97%55.74%64.58%75.47%Beats 30%526 / 746
Asset Quality
Nonperforming Loans / Loans0.32%0.09%0.42%1.07%Beats 59%309 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio12.02%11.55%13.75%17.60%Beats 32%508 / 746
Total Risk-Based Capital Ratio12.93%11.71%14.33%18.43%Beats 36%478 / 746
Equity / Assets5.77%8.90%10.51%13.06%Beats 2%732 / 746
Liquidity & Funding
Loans / Deposits51.95%61.31%78.27%90.78%14th pctl639 / 746
Loans / Assets45.41%53.60%66.97%76.08%14th pctl640 / 746
Brokered Deposits / Depositsn/aNot reported for this institution