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First Bank and Trust Company of Illinois

Palatine, IL · Cert 18641 · Amerinational Cmty Services LLC

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 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

85

Q2 2024Q2 2026peer median (50)

Asset Quality

52

Q2 2024Q2 2026peer median (50)

Profitability

76

Q2 2024Q2 2026peer median (50)

Liquidity

44

Q2 2024Q2 2026peer median

Efficiency

67

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 Bank and Trust Company of Illinois

Palatine, IL · Cert 18641 · Amerinational Cmty Services LLC

State charter, non-member · FDIC · 1 branch

Q2 2026

$228.6MAssets
$129.4MLoans
$189.5MDeposits
$37.1MEquity
Loan mix
78%RE $97.7M22%C&I $28.3M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
64%Interest-bearing $122.1M36%Noninterest $67.5MQ2 2025Q2 2026

NIM

9.93%Q2 ’248.13%Q2 ’256.70%Q2 ’26-13%-19%

Non-interest income vs. expense

3.75%Q2 ’242.75%Q2 ’253.29%Q2 ’26-29%+23%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.0% share · #97 of 147 inst. · $0.2B of $630.7B

Executive Summary

  • Earnings: ROA of 1.43%, down 40 bps year over year; NIM at 5.26%.
  • Asset quality: problem loans at 8.37% of loans (+383 bps YoY), with net recoveries of 0.03%.
  • Capital: tier 1 leverage ratio of 15.91%, up 160 bps from a year ago.
  • Funding: loans stand at 68.29% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.43%-40 bps YoY

Net Interest Margin (YTD, annualized)

5.26%-127 bps YoY

Efficiency Ratio (YTD, annualized)

61.46%+1,958 bps YoY

Tier 1 Leverage Ratio

15.91%+160 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.84%1.93%1.80%1.91%1.43%-40 bps
Return on Equity12.40%12.94%11.84%11.57%8.74%-366 bps
Net Interest Margin6.52%6.42%6.12%5.78%5.26%-127 bps
Efficiency Ratio41.88%44.86%45.87%58.08%61.46%+1,958 bps
Non-Interest Burden2.67%2.87%2.81%3.39%3.27%+60 bps
Growth
Asset Growth (YoY)3.38%6.90%4.76%-1.34%2.81%-57 bps
Loan Growth (YoY)-29.96%-28.83%-2.15%-3.90%13.58%+4,354 bps
Deposit Growth (YoY)5.06%7.58%4.59%-4.35%1.46%-360 bps
Asset Quality
Nonperforming Loans / Loans4.53%4.60%3.18%3.23%8.37%+383 bps
Net Charge-Offs / Loans3.52%2.38%2.51%-0.06%-0.03%-355 bps
Allowance / Loans2.06%2.07%1.56%1.53%1.54%-52 bps
Allowance Coverage of NPLs0.5x0.5x0.5x0.5x0.2x-0.3x
Capital
Tier 1 Leverage Ratio14.31%15.17%15.41%16.09%15.91%+160 bps
Total Risk-Based Capital14.31%15.17%15.41%26.33%26.28%+1,197 bps
Equity / Assets15.10%15.21%16.46%16.51%16.24%+114 bps
Liquidity & Funding
Loans / Deposits61.01%58.57%70.55%68.84%68.29%+729 bps
Liquid Assets / Assets46.34%48.46%38.83%40.28%41.77%-458 bps
CRE / Total Capitaln/a248%272%273%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 Bank and Trust Company of Illinois

Palatine, IL · Cert 18641 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57) · Amerinational Cmty Services LLC

State charter, non-member · FDIC · 1 branch

Q2 2026

$228.6MAssets
$129.4MLoans
$189.5MDeposits
$37.1MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 24 of 56).
  • Widest gap: nonperforming loans / loans trails 96% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 55 of 56).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.39%

Rank 12 of 57

Net Interest Margin

5.26%

Rank 2 of 57

Efficiency Ratio

62.64%

Rank 20 of 57

Equity / Assets

16.24%

Rank 12 of 57

Non-interest income vs. expense

$0.0M$7.5MINCOMEEXPENSE
Unfavorable gap of $7.4M · efficiency ratio beats 67% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 62.64%Peer median 69.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.39%0.51%0.84%1.19%Beats 79%12 / 57
Return on Equity8.57%3.13%7.76%11.40%Beats 54%26 / 57
Net Interest Margin5.26%3.16%3.63%4.08%Beats 96%2 / 57
Efficiency Ratio62.64%59.57%69.70%81.06%Beats 67%20 / 57
Asset Quality
Nonperforming Loans / Loans8.37%0.06%0.34%1.78%Beats 4%55 / 56
Net Charge-Offs / Loans0.00%n/a0.00%0.01%Beats 100%24 / 56
Capital
Tier 1 Capital Ratio25.03%12.24%16.06%19.69%Beats 86%8 / 57
Total Risk-Based Capital Ratio26.28%12.54%16.50%20.95%Beats 89%6 / 57
Equity / Assets16.24%9.37%11.56%15.00%Beats 79%12 / 57
Liquidity & Funding
Loans / Deposits68.29%66.29%85.59%95.16%26th pctl42 / 57
Loans / Assets56.62%57.07%71.07%78.13%23rd pctl44 / 57
Brokered Deposits / Depositsn/aNot reported for this institution