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Community Bank of Easton

Easton, IL · Cert 18568 · Uir Acceptance Corp.

State charter, non-member · FDIC · 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 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

74

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

34

Q2 2024Q2 2026peer median (50)

Liquidity

32

Q2 2024Q2 2026peer median

Efficiency

10

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

Community Bank of Easton

Easton, IL · Cert 18568 · Uir Acceptance Corp.

State charter, non-member · FDIC · 1 branch

Q2 2026

$43.0MAssets
$18.8MLoans
$34.1MDeposits
$8.4MEquity
Loan mix
51%RE $6.0M32%C&I $3.8M17%Consumer $2.0MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $27.8M18%Noninterest $6.3MQ2 2025Q2 2026

NIM

5.88%Q2 ’245.39%Q2 ’255.36%Q2 ’26-13%+6%

Non-interest income vs. expense

1.05%Q2 ’241.36%Q2 ’253.46%Q2 ’26+39%+167%

Executive Summary

  • Earnings: ROA of 0.29%, down 199 bps year over year; NIM at 4.27%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 16.32%, down 1,000 bps from a year ago.
  • Funding: loans stand at 55.01% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.29%-199 bps YoY

Net Interest Margin (YTD, annualized)

4.27%+24 bps YoY

Efficiency Ratio (YTD, annualized)

79.22%+4,613 bps YoY

Tier 1 Leverage Ratio

16.32%-1,000 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.29%-0.32%-0.11%0.52%0.29%-199 bps
Return on Equity8.66%-1.27%-0.47%2.78%1.56%-711 bps
Net Interest Margin4.03%0.40%1.32%4.19%4.27%+24 bps
Efficiency Ratio33.09%56.78%73.68%77.51%79.22%+4,613 bps
Non-Interest Burden1.28%0.23%0.98%3.29%3.43%+214 bps
Growth
Asset Growth (YoY)0.28%2.17%10.82%6.30%9.44%+917 bps
Loan Growth (YoY)-17.92%-24.35%-8.85%-15.25%21.17%+3,910 bps
Deposit Growth (YoY)-1.27%10.10%21.38%14.78%19.60%+2,087 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.35%0.93%0.82%0.89%0.91%+56 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio26.32%17.69%17.09%15.67%16.32%-1,000 bps
Total Risk-Based Capital26.32%17.69%17.09%15.67%16.32%-1,000 bps
Equity / Assets27.24%20.68%18.60%18.69%19.49%-775 bps
Liquidity & Funding
Loans / Deposits54.30%44.54%44.29%41.46%55.01%+72 bps
Liquid Assets / Assets57.70%57.49%57.89%60.78%50.46%-725 bps
CRE / Total Capitaln/a0.00%10.95%16.53%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

Community Bank of Easton

Easton, IL · Cert 18568 · Peer group: banks under $1B in assets in IL (n=149-151) · Uir Acceptance Corp.

State charter, non-member · FDIC · 1 branch

Q2 2026

$43.0MAssets
$18.8MLoans
$34.1MDeposits
$8.4MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in IL (rank 14 of 149).
  • Widest gap: return on equity trails 95% of banks under $1B in assets in IL (rank 143 of 151).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

0.30%

Rank 139 of 151

Net Interest Margin

4.27%

Rank 15 of 151

Efficiency Ratio

83.44%

Rank 137 of 151

Equity / Assets

19.49%

Rank 7 of 151

Non-interest income vs. expense

$0.0M$1.5MINCOMEEXPENSE
Unfavorable gap of $1.5M · efficiency ratio beats 10% of banks under $1B in assets in IL
Bank 83.44%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.30%0.70%1.03%1.34%Beats 8%139 / 151
Return on Equity1.55%6.74%9.34%12.94%Beats 5%143 / 151
Net Interest Margin4.27%3.02%3.43%3.83%Beats 90%15 / 151
Efficiency Ratio83.44%54.64%64.89%72.50%Beats 10%137 / 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 100%27 / 149
Capital
Tier 1 Capital Ratio16.32%11.83%14.17%18.66%Beats 67%50 / 151
Total Risk-Based Capital Ratio16.32%12.22%14.54%19.92%Beats 61%59 / 151
Equity / Assets19.49%9.10%10.65%12.40%Beats 95%7 / 151
Liquidity & Funding
Loans / Deposits55.01%54.39%71.02%80.75%28th pctl108 / 149
Loans / Assets43.61%45.91%61.31%68.01%17th pctl126 / 151
Brokered Deposits / Depositsn/aNot reported for this institution