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Community Bank of Trenton

Trenton, IL · Cert 18889

FDIC · 2 branches

Q2 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the St. Louis, MO-IL area3

Basis

Quarter: Q2 2025, the quarter ended June 30, 2025, 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 St. Louis, MO-IL area (n=40 to 42). 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

65

Q2 2024Q2 2025peer median (50)

Asset Quality

28

Q2 2024Q2 2025peer median (50)

Profitability

59

Q2 2024Q2 2025peer median (50)

Liquidity

60

Q2 2024Q2 2025peer median

Efficiency

76

Q2 2024Q2 2025peer 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 Trenton

Trenton, IL · Cert 18889

FDIC · 2 branches

Q2 2025

$125.9MAssets
$94.0MLoans
$109.2MDeposits
$11.9MEquity
Loan mix
88%RE $76.9M7%C&I $5.8M5%Consumer $4.4MQ2 2024Q2 2025
Deposit mix
92%Interest-bearing $100.1M8%Noninterest $9.2MQ2 2024Q2 2025

NIM

4.00%Q2 ’234.79%Q2 ’245.00%Q2 ’25+2%+5%

Non-interest income vs. expense

2.58%Q2 ’232.30%Q2 ’242.00%Q2 ’25-9%-15%

Market Position · St. Louis, MO-IL · 2025 SOD (annual) · 0.1% share · #74 of 114 inst. · $0.1B of $134.5B

Executive Summary

  • Earnings: ROA of 1.06%, up 32 bps year over year; NIM at 2.98%.
  • Asset quality: problem loans at 3.91% of loans (+212 bps YoY), with net recoveries of 0.04%.
  • Capital: tier 1 leverage ratio of 10.34%, up 64 bps from a year ago.
  • Funding: loans stand at 86.04% of deposits as of Q2 2025.

Financial Results

Return on Assets (YTD, annualized)

1.06%+32 bps YoY

Net Interest Margin (YTD, annualized)

2.98%+15 bps YoY

Efficiency Ratio (YTD, annualized)

58.85%-1,162 bps YoY

Tier 1 Leverage Ratio

10.34%+64 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2024Q3 2024Q4 2024Q1 2025Q2 2025YoY ΔTrend
Earnings
Return on Assets0.73%0.71%0.77%0.77%1.06%+32 bps
Return on Equity8.68%8.22%8.96%8.72%11.71%+304 bps
Net Interest Margin2.84%2.87%2.84%2.95%2.98%+15 bps
Efficiency Ratio70.47%71.74%69.15%69.53%58.85%-1,162 bps
Non-Interest Burden1.87%1.93%1.82%1.93%1.59%-28 bps
Growth
Asset Growth (YoY)3.01%2.38%4.95%1.41%0.59%-242 bps
Loan Growth (YoY)5.94%4.50%1.21%-1.69%1.77%-417 bps
Deposit Growth (YoY)2.55%0.21%3.69%2.09%1.52%-103 bps
Asset Quality
Nonperforming Loans / Loans1.79%2.32%2.99%3.52%3.91%+212 bps
Net Charge-Offs / Loans-0.10%-0.07%-0.05%-0.11%-0.04%+6 bps
Allowance / Loans1.29%1.29%1.31%1.36%1.36%+7 bps
Allowance Coverage of NPLs0.7x0.6x0.4x0.4x0.3x-0.4x
Capital
Tier 1 Leverage Ratio9.70%9.88%9.92%9.92%10.34%+64 bps
Total Risk-Based Capital14.01%13.68%14.18%14.39%14.76%+75 bps
Equity / Assets8.53%9.00%8.61%9.00%9.45%+93 bps
Liquidity & Funding
Loans / Deposits85.83%87.64%83.74%85.11%86.04%+21 bps
Liquid Assets / Assets4.36%5.01%3.84%3.19%2.27%-209 bps
CRE / Total Capitaln/an/an/an/an/an/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 Trenton

Trenton, IL · Cert 18889 · Peer group: banks under $1B in assets in the St. Louis, MO-IL area (n=40-42)

FDIC · 2 branches

Q2 2025

$125.9MAssets
$94.0MLoans
$109.2MDeposits
$11.9MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 76% of banks under $1B in assets in the St. Louis, MO-IL area (rank 11 of 42).
  • Widest gap: nonperforming loans / loans trails 95% of banks under $1B in assets in the St. Louis, MO-IL area (rank 39 of 40).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.07%

Rank 15 of 42

Net Interest Margin

2.98%

Rank 24 of 42

Efficiency Ratio

58.85%

Rank 11 of 42

Equity / Assets

9.45%

Rank 17 of 42

Non-interest income vs. expense

$0.5M$2.5MINCOMEEXPENSE
Unfavorable gap of $2.0M · efficiency ratio beats 76% of banks under $1B in assets in the St. Louis, MO-IL area
Bank 58.85%Peer median 67.0%Q2 2024Q2 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.07%0.53%0.87%1.09%Beats 64%15 / 42
Return on Equity11.27%5.88%9.03%11.69%Beats 69%13 / 42
Net Interest Margin2.98%2.67%3.06%3.41%Beats 43%24 / 42
Efficiency Ratio58.85%58.85%66.95%76.17%Beats 76%11 / 42
Asset Quality
Nonperforming Loans / Loans3.91%0.09%0.54%1.87%Beats 5%39 / 40
Net Charge-Offs / Loans0.01%n/a0.01%0.03%Beats 50%21 / 40
Capital
Tier 1 Capital Ratio13.51%10.75%12.51%15.15%Beats 64%15 / 42
Total Risk-Based Capital Ratio14.76%11.42%13.34%15.91%Beats 71%12 / 42
Equity / Assets9.45%7.78%9.18%10.82%Beats 60%17 / 42
Liquidity & Funding
Loans / Deposits86.04%62.27%74.82%88.28%67th pctl14 / 42
Loans / Assets74.68%55.74%69.12%78.61%65th pctl14 / 40
Brokered Deposits / Depositsn/aNot reported for this institution