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Midland Community Bank

Kincaid, IL · Cert 19796 · United Community Bcorp Inc.

State charter, non-member · FDIC · 2 branches

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

78

Q2 2024Q2 2026peer median (50)

Asset Quality

55

Q2 2024Q2 2026peer median (50)

Profitability

79

Q2 2024Q2 2026peer median (50)

Liquidity

75

Q2 2024Q2 2026peer median

Efficiency

74

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

Midland Community Bank

Kincaid, IL · Cert 19796 · United Community Bcorp Inc.

State charter, non-member · FDIC · 1 affiliate bank · 2 branches (48 in holding)

Q2 2026

$68.8MAssets
$36.9MLoans
$56.6MDeposits
$12.0MEquity
Loan mix
82%RE $29.9M15%C&I $5.5M3%Consumer $1.2MQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $45.3M20%Noninterest $11.3MQ2 2025Q2 2026

NIM

4.51%Q2 ’244.46%Q2 ’255.38%Q2 ’26-2%+36%

Non-interest income vs. expense

3.01%Q2 ’242.86%Q2 ’252.78%Q2 ’26-8%-6%

Executive Summary

  • Earnings: ROA of 1.66%, up 76 bps year over year; NIM at 4.52%.
  • Asset quality: problem loans at 0.00% of loans (-31 bps YoY), with net charge-offs at 0.50%.
  • Capital: tier 1 leverage ratio of 12.11%, down 349 bps from a year ago.
  • Funding: loans stand at 65.14% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.66%+76 bps YoY

Net Interest Margin (YTD, annualized)

4.52%+119 bps YoY

Efficiency Ratio (YTD, annualized)

52.11%-1,768 bps YoY

Tier 1 Leverage Ratio

12.11%-349 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.90%1.03%0.80%1.71%1.66%+76 bps
Return on Equity6.82%7.54%5.66%10.14%9.75%+293 bps
Net Interest Margin3.33%3.42%0.77%4.42%4.52%+119 bps
Efficiency Ratio69.79%66.78%60.70%56.26%52.11%-1,768 bps
Non-Interest Burden2.09%2.02%0.40%2.13%1.97%-12 bps
Growth
Asset Growth (YoY)-3.82%-4.12%5.92%3.09%3.48%+730 bps
Loan Growth (YoY)-9.05%-10.61%-13.68%-8.94%-11.65%-261 bps
Deposit Growth (YoY)-5.24%-4.88%1.98%-1.52%-1.19%+405 bps
Asset Quality
Nonperforming Loans / Loans0.31%0.31%0.72%0.00%0.00%-31 bps
Net Charge-Offs / Loans-0.08%-0.05%0.00%0.96%0.50%+58 bps
Allowance / Loans0.60%0.61%0.67%0.42%0.44%-17 bps
Allowance Coverage of NPLs1.9x1.9x0.9x161.0xn/an/a
Capital
Tier 1 Leverage Ratio15.60%15.91%11.05%11.51%12.11%-349 bps
Total Risk-Based Capital22.35%22.64%16.44%17.20%18.24%-411 bps
Equity / Assets13.51%14.63%16.60%17.12%17.48%+397 bps
Liquidity & Funding
Loans / Deposits72.86%75.12%64.73%66.60%65.14%-772 bps
Liquid Assets / Assets4.92%4.17%10.98%10.24%11.95%+703 bps
CRE / Total Capitaln/a42.66%54.75%61.07%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

Midland Community Bank

Kincaid, IL · Cert 19796 · Peer group: banks under $1B in assets in IL (n=149-151) · United Community Bcorp Inc.

State charter, non-member · FDIC · 1 affiliate bank · 2 branches (48 in holding)

Q2 2026

$68.8MAssets
$36.9MLoans
$56.6MDeposits
$12.0MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in IL (rank 14 of 149).
  • Widest gap: net charge-offs / loans trails 90% of banks under $1B in assets in IL (rank 135 of 149).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.67%

Rank 14 of 151

Net Interest Margin

4.52%

Rank 8 of 151

Efficiency Ratio

55.07%

Rank 40 of 151

Equity / Assets

17.48%

Rank 10 of 151

Non-interest income vs. expense

$0.6M$1.9MINCOMEEXPENSE
Unfavorable gap of $1.4M · efficiency ratio beats 74% of banks under $1B in assets in IL
Bank 55.07%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.67%0.70%1.03%1.34%Beats 91%14 / 151
Return on Equity9.56%6.74%9.34%12.94%Beats 52%73 / 151
Net Interest Margin4.52%3.02%3.43%3.83%Beats 95%8 / 151
Efficiency Ratio55.07%54.64%64.89%72.50%Beats 74%40 / 151
Asset Quality
Nonperforming Loans / Loans0.00%0.20%0.66%1.77%Beats 100%14 / 149
Net Charge-Offs / Loans0.25%0.00%0.02%0.07%Beats 10%135 / 149
Capital
Tier 1 Capital Ratio17.88%11.83%14.17%18.66%Beats 71%44 / 151
Total Risk-Based Capital Ratio18.24%12.22%14.54%19.92%Beats 71%44 / 151
Equity / Assets17.48%9.10%10.65%12.40%Beats 93%10 / 151
Liquidity & Funding
Loans / Deposits65.14%54.39%71.02%80.75%39th pctl91 / 149
Loans / Assets53.63%45.91%61.31%68.01%37th pctl95 / 151
Brokered Deposits / Depositsn/aNot reported for this institution