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First Nations Bank

Chicago, IL · Cert 22282 · Illinois State Bcorp Inc.

State charter, non-member · FDIC · 3 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 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

67

Q2 2024Q2 2026peer median (50)

Asset Quality

83

Q2 2024Q2 2026peer median (50)

Profitability

49

Q2 2024Q2 2026peer median (50)

Liquidity

62

Q2 2024Q2 2026peer median

Efficiency

88

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 Nations Bank

Chicago, IL · Cert 22282 · Illinois State Bcorp Inc.

State charter, non-member · FDIC · 1 affiliate bank · 3 branches (4 in holding)

Q2 2026

$536.6MAssets
$419.3MLoans
$440.6MDeposits
$75.1MEquity
Loan mix
93%RE $387.9M7%C&I $28.0M1%Consumer $2.7MQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $368.0M16%Noninterest $72.6MQ2 2025Q2 2026

NIM

5.56%Q2 ’245.53%Q2 ’255.58%Q2 ’26+14%+11%

Non-interest income vs. expense

1.65%Q2 ’241.61%Q2 ’251.73%Q2 ’26-3%+7%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.1% share · #73 of 147 inst. · $0.4B of $630.7B

0.1% Cook
0.1% DuPage

Executive Summary

  • Earnings: ROA of 1.11%, up 13 bps year over year; NIM at 3.24%.
  • Asset quality: problem loans at 0.12% of loans (+12 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 14.11%, up 155 bps from a year ago.
  • Funding: loans stand at 95.16% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.11%+13 bps YoY

Net Interest Margin (YTD, annualized)

3.24%+33 bps YoY

Efficiency Ratio (YTD, annualized)

52.57%-200 bps YoY

Tier 1 Leverage Ratio

14.11%+155 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.98%1.06%1.12%1.09%1.11%+13 bps
Return on Equity7.86%8.30%8.66%8.07%8.16%+31 bps
Net Interest Margin2.91%2.98%3.08%3.19%3.24%+33 bps
Efficiency Ratio54.57%52.83%50.98%53.60%52.57%-200 bps
Non-Interest Burden1.57%1.55%1.54%1.69%1.68%+11 bps
Growth
Asset Growth (YoY)3.12%0.45%1.29%0.27%-2.38%-551 bps
Loan Growth (YoY)4.02%3.02%-0.30%-5.60%-7.05%-1,108 bps
Deposit Growth (YoY)5.02%0.08%-1.20%-1.64%-3.89%-892 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.12%0.12%0.12%+12 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.73%1.77%1.78%1.80%1.79%+7 bps
Allowance Coverage of NPLsn/an/a15.0x14.5x14.5xn/a
Capital
Tier 1 Leverage Ratio12.56%12.77%13.31%13.58%14.11%+155 bps
Total Risk-Based Capital16.86%17.69%18.11%19.41%19.77%+291 bps
Equity / Assets12.58%13.45%13.39%13.54%13.99%+142 bps
Liquidity & Funding
Loans / Deposits98.40%100.85%99.10%94.77%95.16%-324 bps
Liquid Assets / Assets13.94%12.18%12.40%15.61%16.47%+253 bps
CRE / Total Capitaln/a531%514%481%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 Nations Bank

Chicago, IL · Cert 22282 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57) · Illinois State Bcorp Inc.

State charter, non-member · FDIC · 1 affiliate bank · 3 branches (4 in holding)

Q2 2026

$536.6MAssets
$419.3MLoans
$440.6MDeposits
$75.1MEquity

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: net interest margin trails 72% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 41 of 57).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.12%

Rank 18 of 57

Net Interest Margin

3.24%

Rank 41 of 57

Efficiency Ratio

52.57%

Rank 8 of 57

Equity / Assets

13.99%

Rank 20 of 57

Non-interest income vs. expense

$0.3M$9.2MINCOMEEXPENSE
Unfavorable gap of $8.9M · efficiency ratio beats 88% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 52.57%Peer median 69.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.12%0.51%0.84%1.19%Beats 68%18 / 57
Return on Equity8.01%3.13%7.76%11.40%Beats 51%28 / 57
Net Interest Margin3.24%3.16%3.63%4.08%Beats 28%41 / 57
Efficiency Ratio52.57%59.57%69.70%81.06%Beats 88%8 / 57
Asset Quality
Nonperforming Loans / Loans0.12%0.06%0.34%1.78%Beats 66%20 / 56
Net Charge-Offs / Loans0.00%n/a0.00%0.01%Beats 100%24 / 56
Capital
Tier 1 Capital Ratio18.51%12.24%16.06%19.69%Beats 68%18 / 57
Total Risk-Based Capital Ratio19.77%12.54%16.50%20.95%Beats 68%18 / 57
Equity / Assets13.99%9.37%11.56%15.00%Beats 65%20 / 57
Liquidity & Funding
Loans / Deposits95.16%66.29%85.59%95.16%74th pctl15 / 57
Loans / Assets78.13%57.07%71.07%78.13%74th pctl15 / 57
Brokered Deposits / Depositsn/aNot reported for this institution