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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

$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